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    Free guide for New York residents

    Debt Collectors Crossing the Line? Know Your Rights

    The federal Fair Debt Collection Practices Act (FDCPA) bans harassment, threats and lies by debt collectors. New York adds its own protections. If a collector broke the rules, you may be able to recover damages.

    Plain-language guide to your FDCPA rights
    Free, no-obligation case review
    Run by a nonprofit, not a law firm
    Call Now: (818) 697-4295

    Get Your Free Debt Collection Case Review

    For New York residents

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    Consumer Center for Resources is a nonprofit consumer education organization. We are not a law firm and do not give legal advice or represent anyone. When you request a free case review, we may share what you send us with Consumer Action Law Group, an independent private consumer protection law firm in California. Its attorneys may contact you about your matter or refer you to another attorney who handles your type of case. Requesting a review does not create an attorney-client relationship, and you are never obligated to hire anyone. How the free case review works

    Or call directly:(818) 697-4295

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    Common Debt Collection Violations

    If a debt collector did any of these, it may have violated the Fair Debt Collection Practices Act.

    Harassing Phone Calls

    Repeated calls meant to annoy you, calls before 8 a.m. or after 9 p.m., or calls to your job after you said not to.

    Threats and Intimidation

    Threats of arrest, jail, violence, or a lawsuit or garnishment the collector can't or won't actually take.

    Telling Others About Your Debt

    Discussing your debt with family, friends, neighbors or your employer.

    Lies About the Debt

    Wrong amounts, added fees not allowed by your agreement, or pretending to be a lawyer or government agency.

    Ignoring Your Dispute

    Continuing to collect after you disputed the debt in writing, without first sending you verification.

    Collecting Time-Barred Debt

    Suing or threatening to sue on old debt. In New York, most consumer debt lawsuits must be filed within 3 years.

    What Can You Recover Under the FDCPA?

    When a debt collector violates the Fair Debt Collection Practices Act, the law lets you sue for these remedies (15 U.S.C. § 1692k).

    Actual damages, including emotional distress
    Statutory damages of up to $1,000
    Attorney's fees and costs if you win
    An end to the abusive collection practices
    Your rights apply even if you owe the debt
    Free case review available

    Free Case Review

    No Obligation

    Get your debt collection rights evaluated today

    Get Your Free Case Review

    Call today for a free case evaluation

    How the Free Case Review Works

    Consumer Center for Resources is a nonprofit, not a law firm. Read the details.

    1

    Learn your rights

    Read our free debt collection guides to understand what the law says about your situation.

    2

    Tell us what happened

    Use the form or call us. Share the basics: who you're dealing with, what happened, and any letters or voicemails you have.

    3

    We review your request

    If it looks like you may have a claim, we connect you with Consumer Action Law Group, an independent consumer protection law firm, which may handle it or refer you to another attorney.

    4

    You decide

    An attorney explains your options. You are never obligated to hire anyone, and the review is free.

    Frequently Asked Questions

    Answers about debt collector harassment and your rights under the Fair Debt Collection Practices Act.

    Ready to Stop the Harassment?

    Tell us what the collector did. We'll review it for free and point you to next steps.

    Why Act Now?

    • ✓FDCPA claims must be filed within 1 year
    • ✓Voicemails and letters are strong evidence
    • ✓You have rights even if you owe the debt
    • ✓Run by a nonprofit consumer education organization

    100% Confidential

    We use your information only to review your request

    24-Hour Response

    We review every submission and respond quickly

    No Spam Ever

    We only contact you about your case

    Get Your Free Debt Collection Case Review

    For New York residents

    Minimum 10 characters0/500

    Consumer Center for Resources is a nonprofit consumer education organization. We are not a law firm and do not give legal advice or represent anyone. When you request a free case review, we may share what you send us with Consumer Action Law Group, an independent private consumer protection law firm in California. Its attorneys may contact you about your matter or refer you to another attorney who handles your type of case. Requesting a review does not create an attorney-client relationship, and you are never obligated to hire anyone. How the free case review works

    Or call directly:(818) 697-4295

    Debt Collector Won't Stop?

    The FDCPA deadline is only 1 year. Get your free, no-obligation case review and find out what your options are.

    Call (818) 697-4295
    Mon–Thu 9am–4pm, Fri 9am–1pm PT
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    © 2026 Consumer Center For Resources. All rights reserved.

    This website provides general information, not legal advice. Laws change and every situation is different. Talk to a licensed attorney in your state about your specific facts.

    Consumer Center for Resources is a nonprofit consumer education organization. We are not a law firm and do not give legal advice or represent anyone. When you request a free case review, we may share what you send us with Consumer Action Law Group, an independent private consumer protection law firm in California. Its attorneys may contact you about your matter or refer you to another attorney who handles your type of case. Requesting a review does not create an attorney-client relationship, and you are never obligated to hire anyone.

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