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Castle Law Office of St. Louis, P.C.
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Five Reasons to Sue A Debt Collector for Harassing You

If you have experienced a major life event such as a job loss, death of a major breadwinner in your family, medical problem, etc. you are probably getting calls from debt collectors trying to get you to pay the bills that keep piling up. If this is the case, some of these debt collectors tend to be very rude and abusive to try to get you to pay. You may just shrug it off and assume there’s nothing you can do about it, I’m happy to tell you this is where you’re wrong.  If you’re experiencing harassing debt collection calls, you may be able to turn the tables on them and sue them for the grief they’ve caused you. So, how do you know if one of your debt collectors has violated federal law? The list below explains some of the top violations you might experience. 

  1. The collection agency harassed you in some way – There are many ways a debt collector’s actions can be perceived as harassment, and this may allow you to turn the tables on them and take them to court. Federal laws were put in place to prevent debt collectors from using abusive tactics to get you to pay your debts that were in default.
  2. You sent the debt collector a cease and desist letter, but they still kept contacting you to get you to pay – If you send a cease and desist letter to a collection agency this is supposed to stop anyone from contacting you about that debt. The only communication they are allowed to have is a letter stating they received your cease and desist letter, or a summons for a court hearing. Any debt collector that continues to contact you other than the two options above is violating federal law and you can sue them for damages.
  3. They contact your friends, family, employees, etc. and tell them about the debt you owe – Collection agencies are not allowed to tell anyone but the credit bureaus about the debt you owe. If they contact one of the above, this is called third party contact, and the only reason a debt collector can contact them is to verify location information. This is also a violation of federal law and you can sue the collector for doing this. Specifics of your finances and debts you owe are private information and your privacy should be honored by these collection companies.
  4. You are fired from your job because of the actions of a debt collector – This might be the result of a debt collector contacting your employer about a debt you owe. Sadly, in my experience as a debt collection harassment attorney, I’ve had clients that were fired from their job because their debt collectors had repeatedly called their employer about a debt that was in default. Recovery of lost wages and future wages is just one type of damages we can go after them for and I’m not afraid to fight them for it.
  5. A false lawsuit is brought against you by your debt collector – Collection agencies and law firms have been known to bring false lawsuits against you to sue you for a debt you already settled or paid off. Sometimes, a collection agency may even try to sue you after you’ve provided proof that the debt is paid off. If any of the above has happened to you, that debt collector has definitely violated your rights.  

Do You Think Your Debt Collectors are Violating this Federal Law?

Lucky for you, we are here to help you find out if one of your collectors has violated federal law by abusing or threatening you, and it costs you NOTHING! Call us today for help going through the abusive actions of your debt collectors to find out if you have a possible claim against them. You deserve compensation for the distress they have caused you, so call us today at 314-344-0800.


James R. Brown
President and Principal Attorney at Castle Law Office
MATA Helping to Balance The Scales Of Justice Bankruptcy Attoney of the Year National Association of Consumer Advocates