Dealing with credit card debt can be overwhelming, especially when you’re being bombarded by phone calls, letters, and even threats from creditors or debt collectors. But here’s something many people don’t realize: you have rights, and those rights are protected by law.

If you’re being harassed or pressured about your debt, it’s time to know your rights against credit card companies and understand how professional help from firms like Gershfeld Law Group can step in to protect you.

Your Rights Under the FDCPA

One of the most powerful tools consumers have is the Fair Debt Collection Practices Act (FDCPA). This federal law outlines exactly what third-party debt collectors can and cannot do when trying to collect money from you.

Here are a few key protections under the FDCPA rights:

  • No Harassment: Debt collectors are prohibited from using abusive, threatening, or obscene language. They can’t call you excessively or at odd hours—generally not before 8 a.m. or after 9 p.m.

  • Truthfulness: Collectors are not allowed to lie about who they are, the amount you owe, or the consequences of not paying.

  • Verification of Debt: If you request it, debt collectors must provide verification of the debt in writing before continuing collection efforts.

  • No Contact at Work (If You Say So): If you inform a collector that your employer doesn’t allow calls at work, they must stop contacting you there.

  • Right to Dispute: You have the right to dispute the debt within 30 days of being contacted, which pauses collection until the debt is verified.

Unfortunately, not all debt collectors follow the law. That’s why it’s crucial to know your rights against credit card companies and debt collectors—and take action if those rights are violated.

 

(Close-up of a hand holding a booklet titled "FDCPA – Fair Debt Collection Practices Act," symbolizing consumer protection laws and rights against abusive debt collection.)

Common Signs of Credit Card Company Harassment

Credit card company harassment can take different forms, such as:

  • Constant phone calls, even after asking them to stop

  • Contacting your family, friends, or employer about your debt

  • Making false claims about lawsuits or arrests

  • Failing to identify themselves or the nature of the debt

This kind of behavior isn’t just stressful—it’s illegal. If you’re experiencing any of this, it’s time to take back control and protect your rights from creditors.

Why Professional Negotiators Make a Difference

Even when you’re aware of your rights, standing up to credit card companies can feel like a losing battle. That’s where Gershfeld Law Group steps in.

Our team of experienced debt relief professionals understands debt collection laws inside and out. We know how to negotiate credit card debt, enforce your rights, and provide real solutions to get you back on track.

When you work with professionals, you don’t just get protection—you get options:

  • Debt Settlement: We negotiate with your creditors to reduce what you owe, often by a significant amount.

  • Stop Harassment: Once we represent you, collectors must communicate with us, not you.

  • Customized Plans: We tailor your debt relief strategy based on your financial situation and goals.

(Close-up of a professional handshake between two individuals in business attire, symbolizing agreement, trust, or a successful debt negotiation.)

You’re Not Alone—And You Have Options

Credit card companies and debt collectors can be intimidating, but you don’t have to face them alone. If you’re wondering how to deal with harassment or simply need credit card debt help, Gershfeld Law Group is here to guide you every step of the way.

Remember: you have the right to be treated with respect, and you have the right to settle your debt legally and on your terms.

Contact Gershfeld Law Group today to find out how we can help you assert your rights, end the harassment, and take the first step toward financial peace of mind.