Have you received threatening calls from debt collectors at all hours of the day? Are you getting letters that misstate how much you owe—or worse, claims about debts you don’t even recognize?
You may be the victim of unlawful debt collection practices, and you have legal rights under a powerful federal law: the Fair Debt Collection Practices Act (FDCPA).
At Jaffer Law, we help clients across the United States stop abusive collectors, restore peace of mind, and recover compensation. Whether or not you owe the debt, collectors must treat you with dignity and honesty. If they don’t, we sue them and make them pay.
What Is the FDCPA?
The FDCPA is a federal consumer protection law that restricts what debt collectors can say and do when trying to collect a debt. It applies to third-party collectors (not original creditors) and covers debts like:
- Credit cards
- Auto loans
- Medical bills
- Personal loans
- Student loans
- Utility bills
The FDCPA prohibits debt collectors from using harassment, deception, unfair practices, or illegal threats when contacting you. If they cross the line, they can be held legally accountable—and you may be entitled to compensation of up to $1,000, plus actual damages and attorney fees.
Top FDCPA Violations We See
Here are common ways collectors violate the FDCPA. If any of these sound familiar, call us:
Harassment and Abuse
- Calling repeatedly or excessively
- Calling before 8 a.m. or after 9 p.m.
- Using profane or threatening language
- Contacting your friends, family, or coworkers about the debt
- Calling you at work after you’ve asked them not to
False or Misleading Representations
- Misstating how much you owe
- Claiming to be an attorney or government agency
- Threatening arrest, lawsuits, or wage garnishment without legal basis
- Telling you the debt is legally enforceable when it’s past the statute of limitations
Unfair Collection Practices
- Trying to collect more than what’s legally owed
- Charging unauthorized interest or fees
- Depositing postdated checks early
- Continuing collection efforts after you dispute or request verification
Failure to Provide Required Notices
- Not sending you a written validation notice within five days of first contact
- Not informing you of your right to dispute the debt
- Ignoring your written dispute or verification request
Why These Violations Matter
These practices don’t just break the law—they damage your mental health, finances, reputation, and sense of safety. Some clients experience:
- Severe stress or anxiety
- Missed work or professional embarrassment
- Emotional distress from threats or humiliation
- Loss of credit opportunities due to false reporting
- Strained relationships with family or employers
You do not have to endure this. Jaffer Law will fight to stop the abuse and seek maximum compensation on your behalf.
How Jaffer Law Can Help You
We are not a generic law firm dabbling in consumer protection. FDCPA cases are a core part of what we do. When you work with us, you get skilled legal counsel focused on results.
Our Process:
1. Free Case Evaluation
We’ll review your collector calls, letters, voicemails, texts, or credit reports to determine if the FDCPA was violated. No cost. No obligation.
2. Preserve and Analyze Evidence
We’ll help you preserve recordings, letters, call logs, and collector identities. We dig deep to connect the dots between violations and damages.
3. File a Federal Lawsuit
If the collector broke the law, we file suit in federal court. We don’t wait around for apologies—we demand accountability.
4. Seek Maximum Compensation
We pursue:
- Statutory damages up to $1,000
- Actual damages for emotional distress, lost wages, or harm to your reputation
- Punitive damages in extreme cases
- Full recovery of your attorney fees and costs
5. You Pay Nothing Unless We Win
We work on a contingency basis. That means you owe nothing unless we recover money for you. The law allows us to make the debt collectors pay your legal costs.
Real Relief for Real People
Jaffer Law has helped hundreds of clients across the U.S. take control of their rights and stop illegal harassment. We’ve recovered compensation for people who:
- Were wrongfully threatened with arrest
- Had old or resolved debts resurface with added fees
- Got calls daily after asking for them to stop
- Were harassed at work or humiliated in front of family
- Had no idea who the collector was or what they allegedly owed
Our clients are often surprised at how quickly we can take action and make the harassment stop—permanently.
Don’t Let Debt Collectors Push You Around. Fight Back.
You are not powerless. You are protected by law. And Jaffer Law is ready to enforce your rights.
Even if you owe the debt, the way they collect matters. If a collector crosses the line, they can—and should—be held responsible.