Debt Collection Harassment

The Fair Debt Collection Practices Act is one of the most powerful consumer protection statutes on the books. Debt collectors who violate it face statutory damages, actual damages, and attorneys’ fees, paid by the collector, not the consumer. And the FDCPA’s prohibitions are specific. Calling at unreasonable hours. Calling repeatedly with intent to harass. Speaking with third parties about the debt. Threatening action the collector cannot legally take. Misrepresenting the amount owed or the consequences of nonpayment. Continuing to contact a consumer after a written request to stop. Any one of these can be a violation, and most cases involve a pattern of conduct, not a single phone call.

What most consumers do not realize is that the FDCPA does not require the underlying debt to be invalid. Even if the debt is real, the collector still has to follow the rules. And many collectors, particularly third-party collection agencies and debt buyers, do not. They were trained to push, and the training does not always include where the law draws the line.

Transcendens handles FDCPA claims for Georgia consumers against collection agencies, debt buyers, attorneys collecting debts, and the original creditors when they qualify. The work starts with documenting the conduct: call logs, voicemails, letters, dunning notices, and any third-party contacts. From there, the strongest violations are identified and the demand is structured around them. Most FDCPA cases settle, with the consumer receiving statutory damages, often actual damages on top, and the collector paying our fees so the recovery goes to the consumer.