FDCPA Case Analyzer — Are Debt Collectors Breaking the Law?

If you have an active bankruptcy case, your FDCPA claim may need to be addressed through the bankruptcy court. Please answer honestly so we can direct you appropriately.

The FDCPA primarily covers third-party debt collectors. Original creditors (the company you originally owed money to) are generally not covered, though there are exceptions.

The FDCPA prohibits calls outside 8 a.m.–9 p.m. in the consumer's time zone.

Collectors may not contact you at work if they know your employer prohibits such calls.

Threatening actions a collector cannot legally take, or does not intend to take, violates the FDCPA.

Collectors are generally prohibited from disclosing your debt to anyone other than you, your spouse, or your attorney.

Using obscene or profane language to harass or abuse you is a direct FDCPA violation.

A written cease-and-desist letter legally requires the collector to stop all contact except to notify you of specific actions.

Select all that apply. You can upload files on the next screen.