Common Violations
Consumer Debt Violations We Help Investigate
Debt collectors, creditors, and credit reporting agencies must follow the FDCPA, FCRA, TCPA, and applicable state consumer protection laws. Below are the violations we see most often.
📞
Debt Collection Harassment
Repeated calls intended to annoy or harass, abusive language, or threats of harm are prohibited under federal law.
📋
Credit Report Errors
Inaccurate balances, accounts that aren't yours, or disputes that were never properly investigated by a credit bureau.
🪪
Identity Theft Issues
Collection activity or reporting tied to accounts opened fraudulently in your name.
💳
Debt Buyer Violations
Debt buyers attempting to collect on accounts without proper documentation or after the statute of limitations has passed.
⚠️
False Legal Threats
Threats of lawsuits, arrest, or wage garnishment that the collector has no legal ability or intention to pursue.
📑
Improper Wage Garnishment Notices
Garnishment threats or notices sent without a court judgment or proper legal process.
🔁
Repeated Phone Calls
Excessive daily calls, calls after being asked to stop, or calls placed with intent to annoy or wear down a consumer.
🧮
Misrepresentation of Debt
Inflating the amount owed, adding unauthorized fees, or misrepresenting the legal status of a debt.
See a Violation That Sounds Familiar?
Let Us Review Your Situation — Free of Charge
Submit your information and our team will screen it for potential violations of consumer protection law.