Debt collection activities are at an all-time high. Unfortunately, some debt collection companies employ means that are abusive, harassing, or otherwise illegal. Often a debt collector will be calling the wrong number or harassing someone for a debt they do not owe.

Regardless whether you OWE MONEY or DO NOT OWE MONEY, if you are being harassed by debt collection companies, submit a Telephone Harassment Report and we will:

1.) STOP the phone calls.

2.) Seek to recover compensation from the offending collection company under the federal Fair Debt Collection Practices Act (FDCPA), which allows you to recover up to $1,000 plus any actual damages and attorney's fees.

Submit a Telephone Harassment or Debt Collection Violation Report for assistance (within hours):

Click here to submit a Telephone Harassment Report if you do not owe debt and your number is being called by mistake or they are calling for someone else, even if you know that person. As a victim of telephone harassment, you are entitled to recover up to $1,000 under federal law.

Click here to submit a Debt Collection Violation Report if you either do owe debt or are unsure. As a victim of telephone harassment, you are entitled to recover up to $1,000 regardless whether you owe debt or not.

It does not matter if the collection company has been dialing the wrong number or otherwise calling you in error. Submit a report if you have experienced any of the activity listed below. Legal fees/costs are paid exclusively only from a recovery. You will pay nothing out-of-pocket. It does not matter whether you owe a debt or not. You may recover compensation well in excess of any genuine debt a collection company was trying to collect. It also does not matter if you have been unable to identify the debt collector (collection agency) by name.

File the report immediately if you have experienced any of the following:

· You have experienced repeated calls (including computerized automated calls) from what you believe is a debt collector.

· You have received even ONE call after you have informed the debt collector that they have the wrong number or that you won't help them locate the debtor.

· A debt collector has informed third parties that you owe a debt or provided a third party with their phone number and/or a reference number for you to give them a call back.

· A debt collector has called you before 8:00am or after 9:00pm.

· A debt collector has failed to identify themselves when calling you or a third party concerning you. Each and every single telephone messagel from a debt collector must state the person's name calling, the name of the collection company, and that the call is from a debt collector.

· A debt collector has engaged in any conduct you found to be harassing, oppressive, or abusive. This includes the making of any type of threats (including threats to "garnish your wages"), use of obscene language, excessive telephone calls, etc.

· A debt collector has called your place of employment after either you or your employer have forbade such calls.

· A debt collector has made any misrepresentation in connection with the collection of a debt (including the amount alleged owed).

· A debt collector has sent you post cards regarding a debt.

· A debt collector has sent you mail in which reference to a debt is printed on the outside of the envelope.

· A debt collector has used any false representation or otherwise deceptive means to collect a debt or obtain information about you.

This is not a complete list of actions for which you may seek relief and monetary compensation. There are also exceptions to various conduct that would otherwise be a violation. For more information, see our Fair Debt Collection Practices Act page. Regardless whether or not you owe a debt, if you feel a collection company's actions are inappropriate, file a report above. You are always welcome to send us an email at Contact@centenniallawoffices.com or give us a call toll-free at (888)504-8817. It doesn't hurt to check with us to see if certain collection activity is lawful or not. There is absolutely no charge.