🚨 DEBT COLLECTORS HARASSING YOU? THIS IS WHAT YOU NEED TO KNOW

Josh Melara

5d • Gems

1️⃣ Debt collectors blowing up your phone?

You may feel powerless, but the law gives you rights. You don’t have to tolerate constant calls, messages, or threats.

2️⃣ Sent a cease-and-desist letter but they keep contacting you?

If you’ve asked them to stop in writing and they continue, they are violating your rights under federal law.

3️⃣ Know your protections under the FDCPA

The Fair Debt Collection Practices Act (15 USC 1692) prohibits collectors from harassing, threatening, or ignoring your written requests. They must follow strict rules or face penalties.

4️⃣ Most people don’t know the details

What actions legally count as violations
How to properly document each violation
How to use violations as leverage to remove negative items from your credit

5️⃣ Breaking the rules has real consequences

When collectors fail to follow the law, you can:

Gain leverage to have accounts deleted
Hold them accountable
Potentially remove negative items from your credit report

6️⃣ That’s where strategy matters

Random disputes often fail. Our team focuses on legal, strategic, and well-documented actions to maximize results and protect your credit.

If you want us to help and sign up for our program and have done-for-you disputes 📲 TEXT “Dispute” to 833-976-2966 or DROP “Dispute” in the comments to get started and put your credit back in your control 👇

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