FDCPA Attorney
If you are being harassed by debt collectors, you are not powerless.
Federal law protects you. And we are here to help enforce those protections. At Gershfeld Law Group, we represent consumers under the Fair Debt Collection Practices Act (FDCPA) — a federal law created to stop abusive, deceptive, and unfair debt collection practices.
Many people do not realize they have rights. Even fewer realize they may be entitled to compensation when those rights are violated.
The Fair Debt Collection Practices Act is a federal law passed in 1977 to protect consumers from aggressive and unethical debt collection behavior.
The law applies to third-party debt collectors, including:
· Collection agencies
· Debt buyers
· Collection law firms
· Companies collecting debts on behalf of others
It sets clear boundaries on what collectors can and cannot do.
You may have a case if a debt collector has:
· Called you repeatedly or excessively
· Called before 8 a.m. or after 9 p.m.
· Used threats, intimidation, or abusive language
· Lied about the amount you owe
· Threatened arrest or legal action they cannot take
· Contacted your employer after being told not to
· Discussed your debt with family or friends
· Continued contacting you after receiving a written request to stop
Even a single violation may be enough to pursue a claim.
Under federal law, you have the right to:
· Request written validation of the debt
· Dispute inaccurate debt information
· Demand collectors stop contacting you
· Be treated with fairness and respect
· Sue for violations
If a collector breaks the law, you may be entitled to:
· Up to $1,000 in statutory damages
· Compensation for emotional distress
· Attorney’s fees and court costs
In many FDCPA cases, the law requires the collector to pay your attorney’s fees. That means you may not have to pay out of pocket for representation.
Debt collection harassment causes real harm.
It creates stress. It impacts families. It affects sleep, work, and mental health.
The FDCPA exists to level the playing field between consumers and powerful collection companies.
Holding collectors accountable not only protects you — it helps protect others as well.
We take a straightforward approach:
1. We review your situation.
2. We evaluate whether your rights were violated.
3. We explain your legal options clearly.
4. We take action if appropriate.
No pressure. No confusing legal jargon. Just honest guidance.
If you believe a debt collector crossed the line, we encourage you to speak with us.
Possibly. An FDCPA case addresses illegal collection behavior, not necessarily whether the debt is valid.
Initial consultations are typically free.
That is exactly why we are here. We can help you evaluate the situation.
You deserve to be treated with respect.
If a debt collector has harassed, threatened, or misled you, contact Gershfeld Law Group to discuss your rights under the Fair Debt Collection Practices Act.
We are here to protect consumers and hold collectors accountable.
