Skip to content
FDCPA Resources
Free Legal Help

Did a Collection Agency Misrepresent Themselves?

Stop the

You have legal rights. We can help.


If you’ve fallen behind on your monthly bills, or worse, have been falsely accused of owing a debt, there are resources available for you and your family. The Fair Debt Collection Practices Act (FDCPA) was enacted in 1978 with the promise of stopping third-party debt collectors from harassing consumers and their loved ones. Unfortunately, not all debt collectors abide by the FDCPA. If you feel that collection agency misrepresent themselves while trying to collect a debt from your, you may be eligible for an FDCPA lawsuit.

What is Misrepresentation

If you are called by a debt collector, look out for these common was they might be guilty of misrepresentation:

  • Not identifying themselves or who they are working for
  • Misrepresenting the amount that you owe
  • Misrepresenting the statute of limitations or legal repercussions for not paying your debt
  • Claiming to be law enforcement or a government official

Damages You May Be Entitled To

Under the FDCPA, debtors can receive $1,000 for statutory damages if they are able to prove their case in court. Additionally, the court might can award actual damages if there are any physical or emotional damages. Stress can lead to a host of physical ailments such as rashes, headaches, and cardiovascular issues. The debt collection agency might also be required to pay you back for any lost wages, wage garnishment, or attorneys fees.

More Specific Information on Misrepresentation

If a debt collection agency misrepresents themselves to you, immediately speak with an attorney. Learn more about what to do if you are called by a specific agency:

Free Case Evaluation

    1. Please fill out your contact information:

    2. Has a debt collection done any of the following:

    By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.