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Debt Collection Abuse and Harassment


You owe the money, but cannot pay. You dispute the debt and will not pay. Even worse, the debt is not yours in the first place. None of that matters. The debt collector continues to call and harass you, your family and friends because he wants the bill paid.

You do not have to file bankruptcy to stop abusive debt collection. As a consumer, you have the right under federal (the Fair Debt Collection Practices Act, or FDCPA) and state (the Rosenthal Fair Debt Collection Practices Act) law to sue a debt collector to end the harassment and recover damages for the harm he has caused you and your family.

What is abusive debt collection? The law prohibits debt collectors from doing many things. A debt collector cannot:

  • Talk to third parties (such as friends, family members, employers and co-workers) about the debt.
  • Call you at any inconvenient place or time, including before 8:00 a.m. or after 9:00 PM.
  • Call you at work if your employer prohibits it.
  • Contact you after you have told the debt collector in writing to stop doing so.
  • Threaten you, your family or your property with violence.
  • Talk to you with profanity or abusive language.
  • Call you on the telephone constantly, including through the use of Robo-calls or automatic dialers.
  • Lie to you in any way, including about who he is, the amount or nature of the debt, what he intends to do and the consequences you may suffer if you do not pay the bill.
  • Threaten you with any action that is illegal or that he does not intend to take.
  • Accuse you of having committed a crime.
  • Threaten to take your property, put a lien on your house, levy your bank account or garnish your wages.

If you have been a victim of abusive debt collection, are receiving letters and phone calls from a debt collector, or have been sued in a collection lawsuit, please call me. I can help. I sue abusive debt collectors. If I take your case, there is no charge to you. If I win the case, the debt collector will have to pay my fees and all court costs.


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Meet Patrick


I have been a civil litigation lawyer for 20 years. I am "AV" rated by Martindale & Hubbell, which means I have received the highest peer rating available in the legal industry. ( more )

Practice Areas

  • General Business Litigation
  • Personal Injury
  • Insurance Coverage Litigation
  • Insurance Coverage
  • Insurance Bad Faith Litigation

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Patrick Howe Law, APC
600 W. Broadway, Suite 700
San Diego, CA 92101
E-mail: pat@patrickhowelaw.com

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