The Fair Debt Collection Practices Act gives you powerful rights against abusive collectors. ProSeAI helps you enforce them — including suing collectors for up to $1,000 per violation, for free.
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The FDCPA prohibits calls before 8am, after 9pm, and at work if you say to stop
You can sue a debt collector for $1,000 per violation plus actual damages
A written cease-and-desist letter legally requires collectors to stop contacting you
Debt collectors cannot threaten arrest, lawsuits they don't intend to file, or false statements
The FDCPA prohibits harassment, false statements, and unfair practices. Collectors cannot call repeatedly, use profane language, threaten violence, misrepresent the debt amount, or contact third parties about your debt.
A written request to stop contact legally requires the collector to stop — except to notify you of specific actions. Send it via certified mail. Use ProSeAI to generate a proper cease-and-desist letter.
If a collector violates the FDCPA, you can sue in federal or state court for $1,000 per violation plus actual damages and attorney fees. Many attorneys take these cases on contingency. ProSeAI can help you document violations and draft your complaint.
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