Let’s Take The First Step To Help You Fight Back Your Debt Collector

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When a debt collector calls before 8 AM, threatens arrest, contacts your employer, or ignores a cease request, they've violated federal law. The FDCPA gives you the right to sue. We build your case from day one and pursue every violation.

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What We Do

At Credo Legal, knowing your rights isn't where we stop, it's where we start. Our attorneys review your collector's conduct against the specific rules of the FDCPA, document every violation, send a cease letter to halt further contact, and file legal claims against collectors who broke the law. The FDCPA was written to create consequences for collectors. We deliver them.

  • Review your collector's conduct against each provision of the FDCPA
  • Document every violation with date, time, and the statute it breaches
  • Send a formal cease-communication letter to halt further contact
  • File legal claims against the collector for statutory damages, actual damages, and attorney fees
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    Why Choose Credo Legal

    • Licensed Attorneys: Real attorneys filing real FDCPA claims. Not a complaint hotline, not a settlement company.
    • We Act on Day One: Cease letter sent immediately. Violations documented from the first conversation. No waiting.
    • We Identify Every Breach: A single collector interaction can contain multiple violations. We find all of them.
    • Free Consultation: No cost to find out whether your collector broke the law and what your claim is worth.
    • Flexible Payment Plans: FDCPA attorney fees are recoverable from the collector and Credo Legal has affordable payment plans for your attorney costs.
    See If You Qualify for Free

    Common Problems We See

    • Calls After a Cease Request: Every call after written notice to stop is a standalone, federal violation.
    • Calls at Illegal Hours: Before 8 AM or after 9 PM, each call is a documented breach.
    • Workplace Contact: If your employer objects, every call to your job is illegal under the FDCPA.
    • Third-Party Disclosure, Discussing your debt with family, neighbors, or coworkers is prohibited, each instance is a violation.
    • Threats of Arrest or False Legal Action: Collectors cannot threaten what they cannot legally do. Each threat is actionable.
    • Misrepresenting Identity or Debt Amount: Claiming to be an attorney, police officer, or government official is a federal violation.
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    How Our Program Works

    1. Free Consultation: Tell us what the collector has done. We review every contact and identify violations at no cost.
    2. Cease Letter Sent, Day One, Our attorneys send a formal cease communication letter immediately, stopping the calls while we build your case.
    3. Violations Documented and Filed: Every breach is catalogued. We may file your FDCPA claim formally and pursue statutory and actual damages.
    4. Resolution: We may pursue the collector for $1,000 per lawsuit, actual damages, and attorney fees, holding them financially accountable under federal law.

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    Your Rights Under Federal Law

    The FDCPA gives you the right to sue, and collectors know it:

    • Each FDCPA lawsuit can result in up to $1,000 in statutory damages, collectible from the collector
    • Actual damages, including emotional distress, job loss, medical expenses related to harassment, are recoverable on top
    • Attorney fees and court costs are paid by the collector, not you, when you prevail
    • You do not need to prove financial harm, the violation itself creates liability
    • The statute of limitations for FDCPA claims is one year from the date of the violation, act while you still can
    • Multiple violations in the same case are pursued individually, more violations mean a larger claim
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    Who This Program Helps

    1. Anyone whose debt collector has violated the FDCPA and wants to take legal action
    2. People who've already asked collectors to stop and keep getting calls, every call is evidence
    3. Those who've been threatened with arrest, jail, or legal action collectors cannot legally take
    4. Anyone whose collector has contacted their employer, family, or neighbors about their debt
    5. People who are done being the victim and want their attorney to be the one doing the pursuing

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    Frequently Asked Questions

    Our Team is always happy to help.

    Can I really sue a debt collector?

    Yes. The FDCPA explicitly gives consumers the right to sue collectors who violate it, in federal or state court. Our attorneys handle the process, and the pursuit.

    What if my collector only violated the law once or twice?

    Even a single violation is actionable. And once we begin reviewing, clients often discover more violations than they initially realized, calls at odd hours, workplace contacts, third-party disclosures they hadn't connected to the law.

    How long do I have to file an FDCPA claim?

    One year from the date of the violation. If you've been harassed recently, the window is open. Don't wait.

    Do I have to go to court?

    Many FDCPA cases are resolved before trial. Our attorneys handle proceedings, and you're rarely required to appear.

    How much does this cost?

    Your consultation is free. 

    They Broke the Law. Use It.

    The FDCPA wasn't written for collectors, it was written for you. Our attorneys know how to use it, and they start building your case the day you call.

    Get a Free Case EvaluationCall (443) 483-4080

    Disclaimer- This is attorney advertising. Prior results do not guarantee a similar outcome.

    © 2025 Credo Legal
    Rights Reserved.

    Attorney Advertising: Prior results do not guarantee a similar outcome.

    The information on this website is for informational purposes only and is not legal advice. Viewing this site does not create an attorney–client relationship. Please consult an attorney for advice regarding your specific situation.

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