Is it legal for collectors to call you every day—even at work or late at night?
Some collectors push the limits of the law—calling repeatedly, sending intimidating letters, or even threatening lawsuits they’re not legally allowed to file.

If you’ve experienced this kind of treatment, you’re not imagining it. And you don’t have to accept it.

At the Law Office of Joel Gonzalez, we focus on helping individuals in Corpus Christi stand up to unlawful collection tactics. As a debt collection relief attorney in Texas, Joel offers clients the tools to stop debt collection harassment and find real peace of mind.

In this blog, we’ll break down the legal protections you have and how the right legal steps can stop abusive collectors in their tracks.

What the Law Says About Harassment

Federal and Texas state laws protect us from aggressive or illegal behavior by debt collectors. Under the Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act, collectors cannot:

  • Call before 8 a.m. or after 9 p.m.
  • Contact your job after being told not to
  • Use profane or threatening language
  • Call repeatedly in a way that feels like pressure or intimidation
  • Misrepresent the amount you owe or who they are
  • Threaten to sue if they’re not actually going to

Even medical debt collection agencies must follow these rules.

If any of these have happened to you, you may be experiencing debt collection harassment—and that’s not just frustrating, it’s illegal.

Learn why ignoring debt collectors can cost you. (please link to LFPA3)

Steps You Can Take Right Now

You don’t need to wait for the next aggressive phone call. Here’s what we can do to stop the harassment:

  • Send a Cease-and-Desist Letter
    This legally forces the collector to stop contacting you.
  • Request Debt Verification
    Ask for written proof of the debt. Until it’s provided, collection efforts must pause.
  • Track Every Violation
    Keep records of calls, messages, and letters. This documentation can support legal action.
  • Talk to a Debt Relief Service in Texas
    Legal support makes a big difference. We can help determine if the collector has violated the law—and what compensation you may be entitled to.

Tired of the Constant Calls and Threats?

A depressed woman
If the harassment continues, it might be time to consult with a debt collection lawsuit attorney in Corpus Christi.

No one deserves to be bullied into silence. If you’re facing a debt collection lawsuit in Corpus Christi or being harassed by collectors, it’s time to act. The Law Office of Joel Gonzalez is here to help you stop debt collectors and take back control. Joel personally handles every case, and he knows how to use the law to stop abusive collection tactics.

If you’re ready to end the calls and get serious about debt solutions, contact the Law Office of Joel Gonzalez today. We’ll help you hold collectors accountable—and start building a more peaceful, pressure-free life.