Harassed by debt collectors? The law is on your side.
Debt collectors have rules they must follow. When they cross the line, you can hold them accountable—and may even be entitled to money damages.
Free consultation. Get honest answers about your case.
Understanding your situation
Dealing with debt is stressful enough without abusive collectors making it worse. Constant calls, threats, harassment, lies about what they can do to you—this is not just annoying, it is often illegal.
The Fair Debt Collection Practices Act (FDCPA) and similar laws set strict rules for how collectors can behave. Many collectors ignore these rules, counting on the fact that most people do not know their rights.
Abusive Debt Collection
Free consultation available
Common mistakes to avoid
Engaging in arguments with collectors on the phone
Believing threats about arrest or lawsuit
You cannot go to jail for nonpayment of a debt in Georgia. If a collector threatens you with arrest, document that immediately—it is an absolute violation of the FDCPA. If they threaten to sue you, understand that if they are actually going to sue, they will do it. But if they threaten to sue and then do not follow through, that is also a violation. Document all threats.
Not documenting harassing behavior
Write down the phone number they called you from, the date, and time of each call. Record the calls if possible—Georgia allows one-party consent recording. Download and save all voicemails, or upload them to the cloud. Get the name, title, and any contact information from the person you speak with. Save all letters and messages you receive. The best evidence against collectors are their own words, so preserve everything.
Not disputing the debt
Tell the collector in writing that you dispute the debt. When you dispute it, they are required to report that dispute on your credit report. This protects your credit and shows that you are actively challenging their claim. Send your dispute in writing so you have proof they received it.
Thinking the law only protects you if you do not owe the debt
The FDCPA protects consumers whether you owe the debt or not. Collectors are not allowed to engage in harassing, abusive, or deceptive behavior regardless of the validity of the debt. Your rights under the law apply equally whether you dispute owing the debt or not.
How to think about next steps
Start documenting everything. Keep a log of calls—date, time, what was said. Save voicemails, texts, and letters. This evidence is crucial for any legal action.
You have the right to request debt validation. This forces the collector to prove you actually owe the debt and that they have the right to collect it. Many cannot.
When to get legal help
Contact an attorney if collectors are calling before 8am or after 9pm, calling your workplace after being told not to, threatening arrest or violence, using profanity or insults, contacting you after you have requested they stop, or misrepresenting the debt or their authority.
Frequently asked questions
Ready to discuss your case?
Free consultation with no obligation. We will give you honest answers about your situation.