At Garrett Berg Law, P.A., we are dedicated to protecting consumers from abusive debt collection practices. Harassment from debt collectors can lead to stress, anxiety, and frustration—but you don’t have to face it alone. The Fair DebtCollection Practices Act (FDCPA) exists to shield consumers from unfair, deceptive, and abusive collection tactics. We use this powerful law to enforce your rights, stop unlawful harassment, and help you seek financial compensation—potentially up to $1,000 per violation.

What is the FDCPA?

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive, deceptive, and unfair debt collection practices. Enacted in 1977, it sets strict guidelines for how debt collectors can interact with consumers and provides a legal framework for disputing and verifying debts. Under the FDCPA, debt collectors are prohibited from:

• Making repeated calls intended to harass or pressure you.

• Threatening violence or other illegal actions.

• Using misleading or deceptive tactics to collect a debt.

• Misrepresenting the amount or status of a debt.

• Contacting you at inconvenient hours (before 8 a.m. or after 9 p.m.) without permission.

• Disclosing your debt to unauthorized third parties.

By enforcing these rules, the FDCPA empowers consumers to push back against unlawful debt collection tactics.

Signs of Debt Collector Harassment

Debt collectors are required to follow ethical collection practices, but many still resort to harassment and intimidation. If you’ve experienced any of the following, your rights under the FDCPA may have been violated:

• Excessive Phone Calls: Constant calls designed to pressure or intimidate you.

• Threats & Intimidation: Statements threatening lawsuits, wage garnishment, or even physical harm.

• False Claims: Misrepresenting their identity, your debt, or the legal consequences of nonpayment.

Understanding your rights is the first step in stopping unlawful debt collection practices.

How Garrett Berg Law, P.A. Can Help

At Garrett Berg Law, P.A., we are committed to protecting consumers from aggressive and illegal debt collection tactics. We leverage the power of the FDCPA to hold debt collectors accountable and ensure they treat you fairly. Our services include:

✅ Free Case Evaluations – We’ll review your situation to determine if your rights have been violated.

✅ No Upfront Costs – We work on a contingency basis, meaning you pay nothing unless we recover compensation for you.

✅ Experienced Advocacy – With nearly a decade of consumer protection experience, we’ll fight to protect your rights and seek financial compensation for harassment.

What You Can Do Next

If you’re dealing with unlawful debt collection practices, take these steps:

📌 Document Everything – Keep records of calls, messages, and any interactions with debt collectors.

📌 Know Your Rights – Educate yourself about FDCPA protections.

📌 Contact Garrett Berg Law, P.A. – Let us assess your case and help you take action.

Take Back Control and Restore Your Peace

You don’t have to put up with harassment or intimidation from debt collectors. At Garrett Berg Law, P.A., we’re here to stand up for you, enforce your rights, and help you reclaim your peace of mind.

Don’t let abusive debt collectors get away with breaking the law. Contact us today for a free consultation and let’s hold them accountable.