Let's Take The First Step To Stop Those Calls.

Fill in the form below or call us for a free review of your case

Debt collectors call before you're awake, contact your employer, reach out to your family. None of that is legal. Our attorneys will send a formal cease communication letter and every call they make after that is a federal violation.

How Much Debt Do You Currently Have?

Please make sure all fields with (*) are selected to go to next step
ContinueOr Call Now (201) 416-7080

Give Your Personal Information

10 digits Number is required
email@example.com format is required
Please enter valid 5 digit zip code
5-digit zip code is required
We currently do not service DC, DE, ID, OK, WV, WY
SubmitPreviousOr Call Now (201) 416-7080
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

What We Do

Debt collectors rely on pressure, confusion, and the assumption that you don't know your rights. At Credo Legal, we cut through all of that. We send a cease letter on day one, document every violation that follows, and take legal action when collectors ignore federal law. You shouldn't have to live with this, and with real attorneys on your side, you won't have to.

See If You Qualify for Free

Why Choose Credo Legal

  • Licensed Attorneys, Not a Settlement Company: We're real lawyers. The cease letter carries legal authority, and if collectors keep calling, we have real legal remedies to pursue.
  • We Act on Day One: The cease letter goes out immediately. You don't spend weeks waiting to feel relief.
  • We Investigate Every Violation: Calling before 8 AM, contacting your employer, threatening arrest, we identify every federal breach and document it.
  • Free Consultation: No cost to find out what's happening and what we can do about it.
  • Flexible Payment Plans: Legal help that works with your financial situation, not against it.
See If You Qualify for Free

Common Problems We See

  • Calls Before 8 AM or After 9 PM: A clear federal violation under the FDCPA, regardless of what you owe.
  • Calls to Your Workplace: Collectors cannot contact you at work if they know your employer objects.
  • Calling Family Members: Collectors may only contact third parties to locate you, not to discuss your debt.
  • Threatening Arrest or Legal Action They Can't Take: Illegal under federal law. Threats must be truthful and actionable.
  • Repeated Calls Designed to Harass: Volume and frequency of calls is regulated. Patterns of harassment are violations.
  • Abusive or Threatening Language: Prohibited under the FDCPA regardless of how much you owe or how long you've owed it.
Speak to an Attorney Now

How Our Program Works

  1. Free Consultation: Tell us what's been happening. We review your situation and explain your rights at no cost.
  2. Cease Letter Sent, Day One, Our attorneys send a formal cease communication letter to the collector immediately after enrollment. Legally, they must stop.
  3. Violations Documented: If contact continues after the cease letter, each instance is a federal violation. We track and record them.
  4. Resolution, We resolve the harassment and, where warranted, pursue legal claims against the collector, potentially recovering money on your behalf.

Start Your Journey to Debt Relief Today

Your Rights Under Federal Law

The Fair Debt Collection Practices Act (FDCPA) gives you enforceable, specific protections:

  • Collectors cannot call before 8 AM or after 9 PM in your local time zone
  • Once you request in writing that a collector stop contacting you, they must comply. Collectors cannot discuss your debt with anyone other than you, your spouse, or your attorney
  • Threatening arrest, wage garnishment, or legal action they cannot legally take is prohibited
  • Abusive, obscene, or threatening language is a federal violation regardless of circumstances
  • Each violation of the FDCPA can result in $1,000 in statutory damages per lawsuit, plus attorney fees
See If You Qualify for Free

Who This Program Helps

  1. Anyone receiving repeated or harassing calls from a debt collector about any type of unsecured debt
  2. People being contacted at their workplace or through family members
  3. Those who've asked collectors to stop but keep receiving calls
  4. Anyone who has been threatened with arrest, wage seizure, or legal action by a collector
  5. People who want the calls to stop immediately, before deciding how to handle the underlying debt

Speak to an Attorney Now

Frequently Asked Questions

Our Team is always happy to help.

Can I legally force a debt collector to stop calling me?

Yes. Under the FDCPA, once you send a written cease communication request, the collector must stop all contact. Our attorneys send that letter on the day you enroll.

What if the collector keeps calling after I've asked them to stop?

Every call after a cease request is a federal law violation worth up to $1,000 in statutory damages. We document those violations and can pursue legal claims on your behalf.

Do I still owe the debt if the calls stop?

Stopping the calls is separate from the underlying debt. A cease letter halts contact, we then evaluate the debt itself separately and advise you on the best path forward.

Does it matter what kind of debt it is?

The FDCPA covers all third-party debt collectors, regardless of debt type, credit cards, medical bills, payday loans, utilities, and more.

How much does this cost?

Your consultation is free. We offer flexible payment plans, and in cases where we pursue FDCPA violations, collector-paid penalties may offset costs entirely.

You Shouldn't Have to Live With This.

The calls are stressful. They disrupt your work, your relationships, and your peace of mind. Our attorneys can make them stop today, at no cost to find out how.

Get a Free Case EvaluationCall (201) 416-7080

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.

Copyright © Credo Legal. 2025 | All Rights Reserved