How to Stop Harassing Debt Collection Calls in Dallas
                     How to Stop Harassing 
Debt Collection Calls in 
DYoura righltls,a yousr peace of mind — practical steps to end unwanted 
debt collection calls
UNDERSTANDING YOUR RIGHTS
You're Protected by Federal Law
The Fair Debt Collection Practices Act (FDCPA) gives you 
powerful protections against harassment. 
Dallas debt collections must follow strict rules about 
when, how, and how often they can contact you.
Key protections include:
• No calls before 8 AM or after 9 PM
• No threats, profanity, or abusive language
• No repeated calls intended to harass
• No contact at work if you've said it's not allowed
5 Immediate Steps to Stop Collection Calls
01 02 03
Request Written Validation Send a Cease Communication Document Everything
Letter
Ask the collector to send written Record dates, times, caller names, 
proof of the debt. They must stop Mail a certified letter demanding and what was said. This evidence is 
calling until they provide they stop contacting you. Keep crucial if you need to take legal 
documentation. copies for your records. action.
04 05
Report Violations Consider Legal Action
File complaints with the Consumer Financial Protection You can sue collectors who violate the FDCPA and 
Bureau and Texas Attorney General if harassment recover damages plus attorney fees.
continues.
Red Flags: Illegal Collection Tactics
Recognizing harassment helps you protect yourself and build a case against aggressive Dallas collection agencies.
Excessive Calling Threats and Intimidation
Calling multiple times per day or using automated Threatening arrest, violence, or property seizure 
dialers to harass you is illegal. without legal authority violates federal law.
Contacting Third Parties Misrepresenting the Debt
Discussing your debt with family, friends, or Lying about the amount owed, claiming to be law 
employers is prohibited except to locate you. enforcement, or falsifying documents is fraud.
Your Debt Collection Rights in Texas
Texas adds extra 
protections Statute of 
Limitations
Beyond federal law, Texas 
In Texas, most debts 
statutes provide additional 
have a 4-year statute of 
safeguards for consumers facing 
limitations. After this 
collection efforts.
• Collectors must be licensed in period, collectors cannot 
Texas sue you, though they 
may still attempt 
• Stricter rules on contact 
contact.
frequency
• Enhanced penalties for violations
• Right to dispute debts in writing
Get Help Today
Don't face aggressive debt collectors alone. Our experienced team understands Texas consumer protection laws and can help 
you stop harassment immediately.
Call Us Email Us Visit Online
(855) 869-9847 [email protected] Learn More
Free consultation • Proven results • Compassionate support for Dallas-area consumers