Reference
FDCPA Violations
A single provable violation can be worth $1,000 plus attorney's fees. Track and screenshot everything.
For U.S. residentsMade in USALast reviewed: January 2026Reviewed by the StopAndDesist legal content team
Harassment (§1692d)
- Repeated or continuous calls designed to annoy
- Threats of violence or criminal action
- Obscene or profane language
- Publishing a 'deadbeat list'
- Calling without meaningfully identifying themselves
False or misleading representations (§1692e)
- Falsely implying they're an attorney or government agency
- Misstating the amount, character, or legal status of the debt
- Threatening lawsuits they don't intend to file
- Falsely reporting to credit bureaus
- Using fake company names or letterhead
Unfair practices (§1692f)
- Collecting more than the debtor legally owes
- Depositing post-dated checks early
- Threatening to seize property they can't legally take
- Communicating via postcard
- Using symbols on envelopes suggesting a debt is enclosed
Communications restrictions (§1692c)
- Contacting you at inconvenient times (before 8am or after 9pm)
- Contacting you at work after being told not to
- Contacting you after you've sent a cease letter
- Contacting anyone other than you or your attorney about the debt
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