Fair Debt Collection Practices Act (FDCPA)

If a debt collector has harassed you, threatened you, called you repeatedly, contacted you at work after being told not to, or otherwise crossed the line, you have rights under the Fair Debt Collection Practices Act (FDCPA). Christensen Law PLLC represents consumers subjected to abusive or deceptive collection tactics, helping stop the harassment and pursue legal remedies where appropriate.

To talk with an attorney about your situation, call Christensen Law PLLC at 612-473-1200 or contact us.

Why Choose Christensen Law PLLC for FDCPA Matters

Christensen Law PLLC is a consumer-focused law firm that handles complex financial disputes and consumer protection matters, including claims involving unlawful debt collection conduct. We provide:

Strategic evaluation of collection conduct and your available claims
Prompt action to stop unlawful contact and preserve evidence
Practical guidance on parallel issues such as credit reporting and underlying debt disputes
Clear communication and focused advocacy from start to finish

Contact Christensen Law PLLC at 612-473-1200 or contact us to schedule a free, confidential consultation about potential FDCPA violations.

Understanding the FDCPA

The FDCPA is a federal law that restricts what third‑party debt collectors can do when they attempt to collect certain consumer debts. While the law does not erase valid debts, it prohibits harassment, abuse, false or misleading statements, and unfair practices in the collection process. In many cases, you can control when and how a collector contacts you, demand verification of the debt, and enforce your rights in court if violations occur.

If you are experiencing collection pressure, early legal advice can help protect your rights and avoid escalation. Christensen Law PLLC can assess whether the FDCPA or related consumer protection laws apply to your situation.

Common Examples of Unlawful Collection Conduct

Below are examples of conduct that may violate the FDCPA. Your circumstances may involve one or more of the following:

Repeated or excessive calls intended to harass, including early‑morning or late‑night calls
Threats of arrest, criminal charges, wage garnishment, or lawsuits that are not actually intended or legally available
Contacting you at work after you have told the collector your employer prohibits such calls
Making false representations related to credit reporting and credit information
Discussing your debt with third parties without your consent
Using profanity, insults, or abusive language
Misstating the amount owed or adding unauthorized fees
Continuing to contact you after receiving a written request to stop or a request for verification
Failing to provide required disclosures about the debt and your rights
Threatening to foreclose your home without a legal right to do so
Falsely representing the debt collector’s actions are authorized, issued, or approved by any court, official, or agency of the United States or any state government.

If any of this sounds familiar, document what is happening and contact Christensen Law PLLC at 612-473-1200 or contact us.

What To Do If You Are Being Harassed by a Debt Collector

Taking a few simple steps can strengthen your position:

Keep a call log with dates, times, numbers, and summaries of each contact.
Save voicemails, letters, emails, text messages, and screenshots.
Do not make payments or promises until you understand your rights and the status of the debt.
If appropriate, send a written request to limit or cease contact, or to request verification.
Speak with an attorney promptly to evaluate potential violations and strategies.

Christensen Law PLLC can help you prepare a targeted response and communicate with collectors on your behalf.

How Christensen Law PLLC Can Help

Our representation typically includes:

Reviewing your documents, communications, and credit reports
Identifying potential FDCPA and related claims
Advising on cease‑communication options and debt verification requests
Intervening with collectors and preserving evidence
Pursuing legal remedies where supported by the facts and law

Start with a free, confidential consultation by calling 612-473-1200 or contact us.

Potential Outcomes

Depending on the facts and applicable law, available outcomes may include statutory damages, actual damages where provable, and recovery of attorney’s fees and costs where authorized. Each case is unique, and results depend on specific facts and proof.

To discuss the options in your matter, contact Christensen Law PLLC at 612-473-1200.

Frequently Asked Questions

What debts are covered by the FDCPA?

The FDCPA generally covers consumer debts collected by third‑party debt collectors. Some obligations or types of collectors may fall outside the statute. We can assess coverage based on your documents and the collector’s identity.

Can I make a collector stop contacting me?

In many cases, you can limit or stop contact by sending a written request. There are exceptions, and the best approach depends on your goals. We can help you draft a request tailored to your situation.

Do I have to talk to the collector?

No. You are not required to discuss the debt on the collector’s timetable. Speaking with counsel first often prevents missteps and preserves defenses.

What if the amount the collector claims is wrong?

You may dispute the debt and request verification. Timing and content requirements apply. We can guide you through the process and address inaccuracies.

Will pursuing an FDCPA claim affect my credit?

An FDCPA claim itself is separate from credit reporting, but underlying issues sometimes overlap. We can review your credit reports and help address inaccurate tradelines where appropriate.

How much does it cost to talk to an attorney?

Christensen Law PLLC offers a free, confidential consultation for FDCPA matters. Fee structures for further representation vary by case and will be discussed in writing before you decide how to proceed.

If you believe a collector has crossed the line, do not wait. Call or contact us to speak with an attorney.

Contact Christensen Law PLLC Today to Stop Harassing or Abusive Debt Collection

Christensen Law PLLC serves clients throughout Minnesota and nationwide. If you have been the victim of debt collector harassment or abuse, we can help.

We protect against banks behaving badly. Christensen Law PLLC assists clients with a wide range of legal issues, from credit reporting problems, unfair or abusive debt collection practices, foreclosure defense, to bankruptcy law. If you have suffered due to FCRA violations, our Fair Credit Reporting Act attorneys serving Minnesota can fight for you. Contact us online or call today to learn more.