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Debt collection harassment

Collectors have rules. When they break them, you get paid.

We make the calls stop — and hold collectors accountable under federal and California law.
$0 to you
Collector pays our fees
Even if you owe the debt
Recent calls
Example
Collection agency
7:12 AM
Before 8 a.m.
Collection agency
12:30 PM
Allowed
Your employer's front desk
2:05 PM · “They asked about your debt”
Told your employer
Collection agency
9:48 PM
After 9 p.m.
Voicemail
“Pay today or you'll be arrested”
False threat
4 of 5
contacts here may break the law.

What the law can put back in your pocket

Every case is different. Amounts are not guaranteed.
Up to $1,000
Federal damages
Fair Debt Collection Practices Act
+ $1,000
California damages
Rosenthal Fair Debt Collection Practices Act
+ Actual harm
Your real losses
Stress, lost sleep, lost wages
$0
Your cost
The collector pays our fees
Is this harassment?

Tap everything that has happened to you.

For fairness: what collectors can do
Call between 8 a.m. and 9 p.m.
Send you letters about the debt
Ask you to pay, politely
File a real lawsuit for a valid debt
Anything beyond this is worth a second look.
Any kind of debt

The rules apply whatever you owe for.

Credit cards
Medical bills
Auto loans
Student loans
Payday loans
Personal loans
Mortgages
Rent and leases
Utilities and phone
Being harassed right now?

Four things to do today.

01

Don't pay on the spot

Pressure to pay “today” is a tactic. Take a breath first.
02

Save everything

Voicemails, letters, texts, emails. Don't delete a thing.
03

Screenshot your call log

Dates and times are the strongest proof you have.
04

Call us

A five-minute call tells you where you stand. Free.
How we stop it

From “make it stop” to “they paid.”

1

We review your calls and letters

Free. We tell you honestly if there's a case.
2

We step in

Once a collector knows you have a lawyer, they generally have to deal with us — not you.
3

We pursue damages

For every violation we can prove. Our fees come from the collector.
The calls and letters from the bank were unbearable. My attorney took the time to understand my situation — and finally got them off my back.
[Client name] · Debt collection client
Questions

What people ask us most.

No. Collectors must follow the law whether the debt is valid or not.

Not automatically. But damages can offset what you owe, and some debts turn out not to be valid at all.

Call right away. Response deadlines are short, and missing one can mean losing by default.

Nothing upfront. When a collector breaks the law, the law makes them pay your attorney's fees.

Make the calls stop.

Free, confidential review. You'll hear back from your attorney directly.
(949) 414-4303
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