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If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.
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.
They Threaten or Lie to You You won't go to jail for your debt, so if the collector says that you will, they're lying. You also can't be sued in any county other than where you lived when you signed the contract or at the time the lawsuit was filed. Break off contact with them and file a complaint.
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. They also cannot make repeated calls over a short period to annoy or harass you.
You can also file a complaint with the Consumer Financial Protection Bureau (CFPB). This is a government agency that makes sure banks, lenders, and other financial institutions treat you fairly. You can sue a debt collector that has violated FDCPA.