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If you're receiving constant calls or threatening letters from a debt collector, you're likely feeling overwhelmed and frustrated. The good news is that under the Fair Debt Collection Practices Act (FDCPA), you have the right to put a stop to debt collection harassment. One powerful tool at your disposal is a Cease and Desist Letter.
If you're receiving constant calls, aggressive letters, or threatening messages from debt collectors, you're not alone. Millions of Americans face debt collection tactics that cross the line from firm to outright harassment. It's important to know that you have rights, and debt collectors have legal limits. At American Legal Shield, we are committed to helping consumers understand and protect their rights under the law.
Dealing with debt can be overwhelming, especially when debt collectors start calling. Fortunately, there are laws that protect consumers from abusive practices. One of the most important laws in this area is the Fair Debt Collection Practices Act (FDCPA). Enacted in 1977, the FDCPA is designed to eliminate abusive, deceptive, and unfair debt collection practices, while also ensuring that ethical debt collectors can still collect debts fairly.