Each Lawsuit Can Be Worth $1,000. We Count Every One.

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Every time a debt collector calls before 8 AM, contacts your employer, threatens arrest, or ignores your request to stop, that's a federal law violation. Under the FDCPA, each lawsuit can be worth up to $1,000 in statutory damages.

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What We Do

At Credo Legal, we don't just make the calls stop, we turn every illegal call into evidence. Our attorneys identify each FDCPA violation, document the pattern of harassment, and build a legal case against the collector. The law was written to hold collectors accountable. We use it.

  • Turn every illegal contact into a documented FDCPA claim against the collector
  • Translate violations into dollars: statutory damages (up to $1,000per lawsuit), actual damages, and attorney fees
  • Send the formal cease letter that either stops contact or adds everypost-letter call to your claim
  • File and prosecute the FDCPA case on your behalf
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Why Choose Credo Legal

  • Licensed Attorneys, We Hold Collectors Accountable: We don't send a strongly worded letter and hope for the best. We build FDCPA cases and pursue them.
  • We Track Every Violation: Each illegal call, threat, or contact after a cease request is documented and added to your claim.
  • The FDCPA Pays You, We Maximize That: Statutory damages, actual damages, and attorney fees are all recoverable. We pursue the full amount.
  • Free Consultation: No cost to find out how many violations you have and what they're worth.
  • Flexible Payment Plans: Legal help structured around your budget.
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Common Problems We See

  • Calls Before 8 AM or After 9 PM: Each one is a documented violation.
  • Calls to Your Workplace: If your employer objects, every call to your job is illegal.
  • Contacting Family Members About Your Debt: Prohibited under the FDCPA. Each instance is a violation.
  • Threatening Arrest or Actions They Can't Take: Collectors cannot threaten what they cannot legally do. Each threat counts.
  • Continuing to Call After a Cease Request: Every call after a written cease is a separate, standalone violation.
  • Misrepresenting the Amount Owed: Inflating or falsifying what you owe is a federal violation regardless of the actual debt.
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How Our Program Works

  1. Free Consultation: Tell us what's been happening. We review every collector contact and identify violations at no cost.
  2. Violations Documented: Our attorneys catalog every illegal call, threat, and breach from day one. Each one is potential money in your pocket.
  3. Cease Letter Sent: We stop the calls while simultaneously building your FDCPA claim against the collector.
  4. Legal Action, We pursue the collector for statutory damages, actual damages, and attorney fees, shifting the financial pressure from you to them.

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Your Rights Under Federal Law

The FDCPA doesn't just protect you, it creates financial accountability for collectors who break it:

  • Each lawsuit under the FDCPA can result in up to $1,000 in statutory damages
  • You do not need to prove financial harm to recover, the violation itself is enough
  • Actual damages, including emotional distress, lost wages, other real harm, are recoverable on top of statutory damages
  • Attorney fees are recoverable from the collector
  • The law applies to all third-party collectors, regardless of what type of debt they are collecting
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Who This Program Helps

  1. Anyone who has received repeated or harassing calls from a debt collector about any unsecured debt
  2. People who have been threatened, humiliated, or misled by a collector
  3. Those who've asked collectors to stop but keep getting called, every call after that is a violation
  4. Anyone whose collector has contacted their employer, family members, or neighbors
  5. People who want to stop being the victim and become the plaintiff

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Frequently Asked Questions

Our Team is always happy to help.

How much can I recover from a debt collector who violated the FDCPA?

Up to $1,000 per lawsuit in statutory damages, plus actual damages for real harm suffered, plus attorney fees, all recoverable from the collector if the claim is viable.

Do I need to prove I was financially harmed to make a claim?

No. Under the FDCPA, a violation is enough, you don't need to show that the calls cost you money. The law creates automatic liability for each breach.

What if the collector only violated the law a few times?

Even a handful of violations adds up. And in many cases, once we begin documenting, the pattern reveals more than clients initially realize.

How long does it take to resolve an FDCPA case?

Timelines vary, but many cases resolve in weeks to months.

How much does this cost?

Your consultation is free. After that we have affordable payment plans for you to tackle your debts.

Every Illegal Call Is Evidence. Let's Use It.

Collectors broke federal law. That's not just something to complain about, it's a legal claim. Our attorneys build that case from day one.

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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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