Have you ever received a call from a debt collector that left you feeling anxious or intimidated? You’re not alone—according to the Consumer Financial Protection Bureau, over one in four consumers have felt threatened or harassed by debt collectors. What many people don’t realize is that while collectors have the right to contact you, the law strictly limits how they can do it. When they cross the line, you have the power to make it stop.
At the Law Office of Joel Gonzalez, we help individuals who face aggressive or unlawful collection tactics. As a debt relief law firm in Texas, we understand the pressure constant calls and threats can create—and we work to protect your rights, stop harassment, and find lasting financial solutions.
In this post, we’ll explain how to recognize illegal debt collection behavior, what Texas and federal laws say, and what practical steps you can take to stop abuse and pursue real debt relief.
Recognizing When Debt Collectors Go Too Far
Debt collectors are allowed to contact you about a valid debt, but they must follow specific rules under the Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act. Harassment happens when collectors:
- Call repeatedly or at odd hours (before 8 a.m. or after 9 p.m.)
- Use abusive, threatening, or obscene language
- Misrepresent the amount owed or pretend to be government officials
- Contact your family, friends, or employer to discuss your debt
- Continue contacting you after you’ve asked in writing for them to stop
If any of these happen, you may be facing illegal collection practices—and you have every right to take action.
What You Can Do to Stop the Harassment
Here are a few steps you can take to regain control:
- Request Written Verification:Always ask collectors to verify the debt in writing before paying anything.
- Keep Records:Save call logs, letters, and voicemails. These can serve as evidence if you decide to take legal action.
- Send a Written Request to Cease Contact:Once a collector receives this, they can only contact you to confirm no further action will be taken or to notify you of a lawsuit.
- Consult a Debt Collection Relief Attorney:An experienced attorney can stop unlawful calls, defend you against a debt collection lawsuit, and negotiate realistic repayment terms.
Finding Real Relief Through Legal Help
Harassment from debt collectors doesn’t have to control your life. A debt settlement lawyer can intervene on your behalf, protect your legal rights, and help you move toward real financial relief—whether through negotiation, settlement, or bankruptcy options that fit your situation.
Have debt collectors been crossing the line with you? It may be time to get professional help. The Law Office of Joel Gonzalez offers personalized debt relief services in Corpus Christi, TX, helping Texans stop harassment and take meaningful steps toward financial peace.
Contact our office today to speak directly with a debt relief attorney who can help protect your rights and put an end to the calls for good.
