FDCPA Statistics: Debt Collection by the Numbers (2025-2026)

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Debt Collection and FDCPA Statistics (2025-2026)

Over 70 million Americans (28% of U.S. adults) have at least one debt in collections. Debt collection receives over 77,000 annual CFPB complaints, the largest category. Each FDCPA violation is worth up to

Debt Collection and FDCPA Statistics (2025-2026)

,000 in statutory damages plus attorney fees under 15 U.S.C. § 1692k. CFPB Regulation F (12 CFR § 1006.14(b)) presumes harassment at more than 7 calls in 7 days.

Every FDCPA violation is worth up to $1,000 in statutory damages. Use our free damages calculator to find out what your collector may owe you.

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