Stop collection calls. Legally.

The Fair Debt Collection Practices Act limits what a collector can do. We review the calls and letters you've received, flag every likely violation, and send the notice that makes them stop.
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Credo Legal Services, P.C. BBB Business Review

10 million+

IN DEBT WIPED

500k

DEBTS SETTLED EVERY MONTH

WHAT WE DO

From violation to legal claim, fast.

At Credo Legal, an FDCPA violation is not just something to complain about, it's a legal claim we start building immediately. We send a cease letter the day you enroll, track every subsequent contact as potential evidence, and move your case from violation to legal action without delay.
  • Cease-communication letter sent on day one, contact must stop.
  • Every violation after the cease request documented and catalogued.
  • FDCPA claims pursued for up to $1,000 per lawsuit, plus attorney fees.
  • Full case built and filed.
A person's hands writing with a pen in a notepad at a wooden table, beside a red mug and a letter.

WHY CREDO

Legal advice, not debt consolidation.

Licensed attorneys, we act the day you enroll

No waiting for paperwork, no intake delays. The cease letter goes out the same day.

We track every violation

Each illegal call, threat, or contact after a cease request is documented. Each one adds to your claim.

Speed is our USP

FDCPA cases are built on documented violations. The sooner we start tracking, the stronger the case.

From violation to lawsuit

We don't just stop the calls. We pursue every legal claim the violations support.

Flexible payment plans

FDCPA attorney fees are recoverable from the collector if case is won, your claim may cost you nothing out of pocket on that side.
    A wooden desk with a green banker's lamp, a notepad and pen, a leather-bound book and a coffee mug.
    SEE IF YOU QUALIFY, FREE →

    WHY CREDO

    Common problems, and the line each one crosses.

    01
    § 1692C (C)

    Continued calls after requesting they stop

    Every call after a written cease request is a standalone $1,000 federal violation.
    02
    § 1692c(A)(1)

    Calls before 8 AM or after 9 PM

    Each one is a documented breach, actionable from the moment it happens.
    03
    § 1692c(a)(3)

    Calls to your workplace

    If your employer objects, every workplace call is illegal under the FDCPA.
    04
    § 1692e(4),(5)

    Threatening arrest or actions they can't take

    Illegal threats are FDCPA violations, and common. We document them.
    06
    § 1692c (b)

    Contacting family or third parties

    Discussing your debt with others is prohibited. Each instance is a violation.
    06
    § 1692e (2)

    Misrepresenting the debt amount

    Inflating what you owe is a federal violation whether or not the collector knows it.

    Who this helps

    From violation to legal claim, fast.

    At Credo Legal, an FDCPA violation is not just something to complain about, it's a legal claim we start building immediately. We send a cease letter the day you enroll, track every subsequent contact as potential evidence, and move your case from violation to legal action without delay.
    • Anyone who already knows a collector has violated the FDCPA and wants to act on it now.
    • People tired of reading about their rights and ready to have an attorney use them.
    • Those receiving calls after having already asked the collector to stop, each one is money.
    • Anyone who wants a cease letter sent today, not next week.
    • People who want violations documented and pursued, not just stopped.
    A woman in glasses talks on the phone in her kitchen while reading a handwritten note.

    how it works

    A clear sequence, on a known timeline.

    01

    Free consultation

    Tell us what the collector has been doing.
    We review for violations at no cost and explain your options.
    DAY 0

    02

    Cease letter sent the same day

    Our attorneys send a formal cease-communication letter to the collector the day you enroll. All contact must stop.
    Week 1-2

    03

    Violations tracked immediately

    From day one, every subsequent contact is documented as a potential $1,000 FDCPA violation. The clock starts the moment we engage.
    Week 3-4

    04

    Case built and filed

    We pursue statutory damages, actual damages, and attorney fees against the collector, moving from violation to resolution as quickly as the law allows.
    Week 4+
    Book Our Attorney Now

    10 million+

    IN DEBT WIPED

    500k

    DEBTS SETTLED EVERY MONTH

    Your rights

    The FDCPA gives you enforceable rights, and our job is to act on them immediately.

    § 1692c(c)

    Cease request

    Once you send a written cease request, collectors must stop all contact, every call after is a violation.

    RIGHT
    Send the cease letter. Contact must end except to confirm receipt or give notice of legal action.
    § 1692c(a)(1)

    Calling Hours

    Collectors cannot call before 8 AM or after 9 PM in your local time zone.

    Violation
    A 7:14 AM call is a documented breach.
    § 1692e(4),(5)

    False threats

    Threatening arrest, wage garnishment, or legal action the collector cannot take is prohibited.

    Violation
    'We'll have you arrested' = federal violation.
    § 1692c(b)

    Third-party contact

    Collectors cannot contact your employer, family, or neighbors about your debt.

    Violation
    Each third-party contact about your debt = separate claim.
    § 1692k(a)(2)(A)

    Statutory damages

    Each FDCPA violation entitles you to up to $1,000 in statutory damages, plus actual damages and attorney fees from the collector.

    Remedy
    $1,000 per lawsuit. Fees recoverable from the collector.
    § 1692k(d)

    One-year window

    You have one year from the date of each violation to file an FDCPA claim, fast action preserves your recovery.

    Deadline
    Statute of limitations: 1 year from the violation date.

    Frequently asked Questions

    Answered plainly.

    How fast do you actually send the cease letter?

    The same day you enroll. We don't wait. The cease-communication letter goes to the collector the day you enroll, starting the clock on any subsequent violations immediately.

    Does sending a cease letter affect the underlying debt?

    No. A cease letter stops contact, it doesn't resolve or erase the debt. We handle the harassment and evaluate the debt separately, advising you on the best path for both.

    What if the collector stops calling once they get the cease letter?

    That's the goal. If they stop, you have relief. If they don't, every subsequent call is a documented $1,000 violation that we pursue. Either way, you're in a better position.

    What if violations already happened before I called you?

    We document what's already occurred as well. Violations from the past year are potentially recoverable. The sooner you call, the more we can document going forward too.

    How much does this cost?

    Your first consultation is free. FDCPA attorney fees are recoverable from the collector when you prevail, meaning pursuing your claim may cost you nothing out of pocket on the harassment side.

    Ready when you are

    Know your rights before you make any
    ‍decision.

    Every day without a cease letter is another day of potential violations
    going undocumented. Our attorneys act the same day you call.
    ‍
    GET A FREE CASE EVALUATION →
    or call (718) 865-8350
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    Credo Legal Services, P.C.
    1 Liberty Street, Suite 4010, New York, NY 10006
    existing clients
    (212) 461-4026
    New clients
    (718) 865-8350
    Email
    ‍support@credolegal.com
    This is attorney advertising. Prior results do not guarantee a similar outcome. Credo Legal is a multi-jurisdictional law firm. Communication through this site does not create an attorney–client relationship. Not a debt-settlement company. Not a credit-counseling service.

    WE CURRENTLY DO NOT SERVICE AK, DC, DE, HI, IA, ID, MD, ME, MT, NC, NE, VT, WV, OR WY.
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