Want to Stop Calls From Lenders & Collectors?

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Payday loan collectors are among the most aggressive in the industry, calling before sunrise, threatening arrest, contacting your employer or family. Most of it is illegal. Once our attorneys send a formal cease communication letter, contact must stop. And if it doesn't, every call that follows is a federal lawsuit worth up to $1,000.

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What We Do

Payday lenders count on fear and confusion to collect. At Credo Legal, we remove both. We send a cease letter on day one of enrollment to stop the calls, document any violations that follow, and take legal action against collectors who ignore federal law. You don't have to keep living under this pressure.

  • Cease communication letter sent on day one
  • Document every violation that occurs after cease request
  • Review whether the underlying loan was legal in your state
  • Pursue FDCPA claims against collectors who continue to call
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Why Choose Credo Legal

  • Licensed Attorneys, Not a Settlement Company: We're real lawyers. A cease letter from our firm carries legal authority, and if it's ignored, we have real remedies.
  • We Act on Day One of Enrollment: The cease letter goes out immediately. You don't spend weeks waiting for relief.
  • We Know Payday Lender Tactics: Threatening arrest, calling before 8 AM, contacting family, we know every tactic and exactly which ones are illegal.
  • Free Consultation: No cost to understand your rights and what we can do today.
  • Flexible Payment Plans: Legal help that works with your financial situation.
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Common Examples Of Payday Lender Harassment We May Stop

  • Calls Before 8 AM or After 9 PM: A federal violation under the FDCPA, regardless of what you owe or to whom.
  • Threatening Arrest for a Debt: Failing to repay a payday loan is a civil matter, not a criminal one. Arrest threats are illegal.
  • Calling Your Employer: Collectors cannot contact your workplace if they know your employer objects.
  • Contacting Family Members, Third-party contact is strictly limited, collectors may not discuss your debt with others.
  • Continued Calls After You've Asked Them to Stop: Once a cease request is made in writing, every call after is a standalone violation.
  • Threatening Wage Garnishment Without a Judgment: Collectors cannot threaten legal actions they cannot yet take.
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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 upon enrollment. Legally, all contact must stop.
  3. Violations Documented: If contact continues after the cease letter, each instance is a potential $1,000 FDCPA lawsuit. We track and record every one.
  4. Resolution, We resolve the harassment and, where warranted, pursue legal claims against the collector, turning their violations into your recovery.

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Your Rights Under Federal Law

Payday loan collectors must follow strict federal rules, most people being collected on don't know them:

  • The Fair Debt Collection Practices Act (FDCPA) applies to third-party collectors pursuing payday loan debt and prohibits harassment, threats, and deception
  • Collectors cannot call before 8 AM or after 9 PM in your local time zone
  • Once you send a written cease request, all contact must stop, each call after is a statutory violation
  • Threatening arrest for an unpaid payday loan is illegal, payday debt is a civil matter, not criminal
  • The Electronic Funds Transfer Act (EFTA) gives you the right to revoke ACH authorization for automatic withdrawals from your bank account
  • State laws may provide additional protections beyond the FDCPA, including rules that apply to the original payday lender, not just third-party collectors
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Who This Program Helps

  1. Anyone receiving repeated or harassing calls from a payday lender or debt collector about a payday loan
  2. People being threatened with arrest, wage seizure, or criminal consequences for an unpaid payday loan
  3. Those being contacted at their workplace or through family members about payday loan debt
  4. Anyone who has asked a collector to stop but keeps receiving calls
  5. People who want the harassment to stop immediately while they evaluate their options on the underlying debt

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Frequently Asked Questions

Our Team is always happy to help.

Does the FDCPA cover payday loan collectors?

Yes, when a third-party debt collector is pursuing a payday loan debt, the FDCPA applies fully. Many payday lenders sell their debts to collection agencies, which are subject to all FDCPA rules. Some states also have laws that cover original payday lenders directly.

Can a payday lender threaten to have me arrested?

No. Failing to repay a payday loan is a civil debt matter, not a criminal one. Any collector threatening arrest for a payday loan debt is violating federal law, and that threat is itself worth up to $1,000 in statutory damages.

Can I stop automatic withdrawals from my bank account?

Yes. Under the Electronic Funds Transfer Act, you have the right to revoke the ACH authorization that payday lenders often use to pull payments automatically. Our attorneys can advise you on how to do this properly.

Will stopping the calls affect the debt itself?

Stopping the calls is separate from the underlying debt. A cease letter halts contact, we then evaluate the debt separately, including whether it was legally made in your state.

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 can offset costs entirely.

You Shouldn't Have to Live Under This Pressure.

Payday loan collectors are relentless by design. But federal law limits what they can do, and our attorneys enforce those limits starting today.

Get a Free Case EvaluationCall (407) 512-0808

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

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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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