Are you being harassed by bill collectors?
Do they call you day and night? Do they call you at work when you have told them not to? Or call your neighbors? Or call your boss or other people at work? Are they rude and insulting on the phone when you speak to them?

You may be able to make them stop calling and win money back from them, all at no cost to you.
Federal law allows you to sue bill collectors when they "step over the line." If we win your case, you will get at least $1,000, maybe more. Settlements as high as $10,000 are not unusual. We can often get the creditor to forgive the debt in addition to paying you money. Best of all, the bill collector will have to pay our legal fees so it won't cost you a penny out of pocket.

What kinds of things can you sue a bill collector for?
Generally speaking, you can sue a collection agency for

• Using harassing or obscene language
• For discussing your debt with third parties, or
• For making improper threats.

This is a partial list of things that you can sue a bill collector for.

Things bill collectors can't do when they're talking to you on the phone:
• Use profane or obscene language.
• Insult you. Call you "lazy" or a "deadbeat," etc.
• Use any racial slur.

When talking to any third party, bill collectors are not allowed to discuss your debt. This means that they cannot:
• Call your boss, or co-worker, or payroll department and even mention that are calling about a debt.
• Call your neighbor or friend or relative and mention that they are calling about a debt.
• Talk to any third party at all for any reason at all other than to get "location information" about you.

Bill collectors are not allowed to call you at work if you have informed them that you are not allowed to receive those phone calls at work.

A bill collector cannot threaten:
• To have you arrested. It is never a crime to not pay a debt.
• To garnish your paycheck. This is not permitted in Texas.
• To take your house. This is also not permitted in Texas.
• To take money out of your bank account. Unless you have already given them permission to access your bank account.
• To file a lawsuit against you unless they actually can and actually intend to actually do so. Unless the collection agency owns the debt, it cannot file a lawsuit against you. So this threat is almost always illegal.
• To "have you served" at a specific time or place. They have no control over this, and most often, no lawsuit is ever filed.