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Harassment of the debtor by the creditor ? More than 40 percent of all reported FDCPA violations involved incessant phone calls in an attempt to harass the debtor.

Both the FCCPA and the FDCPA provide for the same or similar elements of damages for a violation of the statute. Specifically, a successful plaintiff is entitled to recover: 1) actual damages; 2) statutory damages up to $1,000.00; and 3) attorneys' fees and costs.

Debt collectors are not allowed to falsely claim or imply that: They are attorneys or government representatives. You have committed a crime by not paying a debt. They operate or work for a credit reporting company.

Debt collectors engaging in harassment (usually with repeated calls) or using abusive language. Debt collectors threatening to contact a third party about your debt (such as a friend, family member, or employer) or otherwise improperly share information about your debt publicly.

This is where we get our "7-in-7" concept. You can attempt to contact a consumer about 1 debt 7 times in 7 days. And it's the "1 debt" that's key here. Phone numbers do not matter; how many debts your agency has for the consumer does.

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take.