If you believe a debt collector is violating the FDCPA, you can:
- Document the abuse: Keep records of all communication, including dates, times, and the content of conversations.
- Send a cease-and-desist letter or refuse to pay letter: This formally requests that the collector stops contacting you.
- File a complaint: Report the harassment to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or your state’s attorney general.