The Fair Debt Collection Practices Act protects consumers from abusive, deceptive and unfair collection tactics.
You may qualify if a debt collector called you more than 7 times within 7 days, continued calling after you asked them to stop, contacted you regarding a debt that was not yours, continued collection efforts after being informed they had the wrong person, reported a debt that was not yours, reported a debt that had already been paid or resolved, or otherwise violated the Fair Debt Collection Practices Act (FDCPA).
What to know about the debt collection lawsuit investigation
- Core Issue: Federal law limits how debt collectors can contact consumers. Repeated calls, calls after a request to stop, third-party contact and other collection tactics may violate the Fair Debt Collection Practices Act.
- Who it Affects: Consumers who were subjected to harassing, repeated or otherwise unlawful debt collection practices.
- Harm/Impact: Repeated or unlawful debt collection calls may cause emotional distress and may invade consumers’ privacy, particularly when debt collectors contact family members, employers or other third parties.
- Legal Status: Attorneys are actively investigating potential FDCPA violations.
- Take Action: If you experienced repeated or unlawful debt collector calls, fill out the form on this page to learn whether you may qualify for an FDCPA lawsuit investigation.
What is the debt collection lawsuit investigation about?
Attorneys are investigating whether certain debt collectors violated the Fair Debt Collection Practices Act, a federal law that protects consumers from unfair, abusive and deceptive debt collection practices.
These allegations include claims that:
- Certain debt collectors contacted consumers in ways prohibited by the FDCPA.
- These debt collectors continued collection efforts after consumers exercised rights protected by federal law.
- These debt collectors used collection tactics that allegedly constituted harassment or an invasion of privacy.
Attorneys are reviewing these allegations and investigating whether affected consumers may have legal claims. If you believe a debt collector violated your rights under the FDCPA, you may qualify to participate in an active investigation.
Who qualifies for the FDCPA lawsuit investigation?
You may qualify for this lawsuit investigation if you received debt collector calls, text messages, emails or letters that may violate the FDCPA. Attorneys are investigating a range of alleged FDCPA violations, including:
- Excessive debt collection calls, such as more than 7 calls within a 7-day period.
- Calls that continued after a consumer requested the calls stop.
- Wrong-party or wrong-number collection calls.
- Contact with relatives, employers or other third parties.
- Harassing, abusive, threatening or intimidating collection tactics.
- Collection efforts involving disputed debts or debts that were not owed.
Time limits may apply. Do not wait to check whether you may qualify.
Legally reviewed by: Keith Quattlebaum
President and Chief Operating Officer, Atlas Law Center
The law firm responsible for the content of this page is: Atlas Law Center; Lombard, IL; 331-321-4748; atlaslawcenter.com.
Case updates
Legal status as of June 2026
- Attorneys are investigating a range of alleged FDCPA violations, including:
- Wrong-party collection calls or communications.
- Collection attempts regarding a debt that does not belong to the consumer.
- Continued collection activity after the consumer informed the collector that the debt was not theirs.
- Reporting a collection account or debt that does not belong to the consumer.
- Reporting a debt that was previously paid, settled, discharged, or otherwise resolved.
This page was last reviewed and updated in June 2026 to reflect the latest case developments.
Your rights under the Fair Debt Collection Practices Act
Passed in 1977, the Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unfair, deceptive and abusive debt collection practices. The law limits how debt collectors may communicate with consumers and prohibits certain conduct that may be considered harassment or an invasion of privacy.
The FDCPA generally applies to consumer debts, including credit card debt, mortgages, medical debt, personal loans and other household or family-related obligations. The law does not apply to business debts.
What debt collectors are and are not allowed to do
The FDCPA places limits on how debt collectors may communicate with consumers. These rules are intended to protect consumers from harassment, abuse and invasions of privacy during the debt collection process.
Under the FDCPA, debt collectors:
- May only contact consumers during certain hours.
- Must stop certain communications when a consumer requests that they stop.
- Must communicate through an attorney when a consumer is represented.
- May not use harassing, abusive or threatening language.
- May not contact third parties about a debt, except in limited circumstances permitted by law.
How to document debt collector communications
If you believe a debt collector violated the FDCPA, it may be helpful to keep records of any communications you receive. Save letters, emails, text messages and voicemails, and make note of any phone calls.
When documenting debt collector calls, consider taking note of the following:
- The date and time of each contact.
- The name of the debt collector and the company they represent.
- Details about the communication, including any language you found threatening, abusive or misleading.
- Whether you requested that the communications stop and how the collector responded.
These records may help attorneys evaluate your potential claim.
Fill out the form on this page to see if you qualify for a free case evaluation.
After you fill out the form, an attorney(s) or their agent(s) may contact you to discuss your legal rights.
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