Have you ever received a call from a debt collector that made your stomach drop? You’re not alone. Nearly one in four consumers feel threatened when contacted about a debt. Some collectors even push the boundaries of the law—using intimidation, repeated calls, or false claims to pressure people into paying.
These types of debt collection threats can leave you stressed and unsure of what’s legal—and what’s not. That’s where we come in.
At the Law Office of Joel Gonzalez, we offer real legal solutions to help you stop abusive debt collectors. As one of the trusted debt relief law firms in Texas, we help clients in Corpus Christi understand their rights and fight back.
In this post, we’ll cover how to recognize illegal collection tactics, how to stop harassment, and how a debt relief attorney in Corpus Christi can help you protect your rights.
What Debt Collectors Can (and Can’t) Do
Debt collectors are allowed to contact you—but there are rules. Both the Fair Debt Collection Practices Act (FDCPA) and Texas state laws limit what they can say and how often they can call. Here are some key rights you have:
- They can’t call you before 8 a.m. or after 9 p.m.
- They can’t threaten you with jail timeor use abusive language.
- They must stop contacting youif you ask them to in writing.
- They must verify the debtif you dispute it.
When these rules are broken, it’s time to take action to stop debt collection harassment.
Common Signs of Illegal Debt Collection Threats
Not sure if what you’re experiencing crosses the line? Look for these red flags:
- Calls at work after you’ve asked them to stop
- Threats of lawsuits they can’t actually file
- Pressure to pay immediately with no explanation
- Talking to family, friends, or employers about your debt
If any of these sound familiar, it may be time to talk to a debt settlement lawyer in Corpus Christi about your options.
How to Respond to Threats From Debt Collectors
When you’re being harassed, here’s what you can do right now:
- Document everything.Keep a log of calls, voicemails, and letters.
- Request verification.You have the right to ask them to prove the debt.
- Send a cease and desist letter.This can stop communication if you prefer.
- Don’t admit to the debt over the phone.Especially if you’re unsure about the details.
- Contact a lawyer.A debt relief attorney can help you respond properly.
Here’s when you should hire a debt relief attorney. (Please link to LFPA1)
Why Legal Help Makes a Difference
If you’re dealing with persistent calls, legal threats, or false information, hiring a lawyer can put an end to the chaos. A debt relief service in Corpus Christi can:
- Review the validity of the debt
- Send legal notices to stop debt collectors
- Negotiate a realistic payment plan if needed
- Defend you against any improper legal action
The right legal support can mean fewer calls, less stress, and a clear path forward.
Tired of Harassment? You Don’t Have to Put Up With It
When the phone won’t stop ringing and collectors cross the line, isn’t it time to take control? If you’re facing debt collection threats and want to protect yourself and your family, the Law Office of Joel Gonzalez can help. As one of the leading providers of debt relief services in Corpus Christi, Joel Gonzalez works directly with clients to stop illegal collection tactics and resolve debts the right way.
Contact us today to speak with a dedicated debt relief attorney in Corpus Christi who understands the pressure you’re under—and knows exactly how to help.
