Legal Ways to Stop Harassing Debt Collection Calls

Nobody likes the sound of an unknown number ringing for the fifth time in a day. If the call is from a debt collector, that ring can feel more like an alarm bell for stress. In Texas and across the U.S., consumers are legally protected from debt collection harassment—and they don’t need to tolerate it. Thanks to laws like the Fair Debt Collection Practices Act (FDCPA), and the Texas Debt Collection Act, there are powerful, legal ways to take back control of the phone—and their peace of mind.

Understanding the Laws That Protect You

The FDCPA is a federal law that sets strict rules for how third-party debt collectors can contact consumers. It prohibits abusive, deceptive, and unfair practices. This means collectors can’t call before 8 a.m. or after 9 p.m., can’t use obscene language, and absolutely cannot threaten jail time or physical harm.

In Texas, the Texas Debt Collection Act adds further layers of protection. Unlike the FDCPA, it also covers original creditors (not just third-party collectors) and bans threats, coercion, harassment, and the use of false information in attempts to collect a debt. If someone’s getting calls at work, being publicly shamed, or receiving threats—they’ve got legal ground to push back.

The Cease-and-Desist Letter: A First Line of Defense

Sending a cease-and-desist letter is one of the most effective first steps. It’s a written request demanding that the debt collector stop contacting the consumer. Once this letter is received, the collector is legally prohibited from contacting them again—except to confirm that there will be no further contact or to notify them of legal action.

While it’s not required, sending this letter by certified mail with a return receipt requested is smart. It creates a paper trail—evidence that the consumer did their part, which becomes important if the collector breaks the rules.

Recording Calls: What’s Legal in Texas?

When harassment persists over the phone, having proof matters. Texas is a one-party consent state. That means as long as one person involved in the call (yes, the consumer themselves) consents to the recording, it’s legal. This makes it easier to capture violations of both the FDCPA and state law—especially when those violations happen verbally, over the phone.

Keep in mind, this doesn’t give consumers license to record every conversation willy-nilly. They should ensure they’re not on a multi-party call across state lines, as other states may have stricter two-party consent laws.

Gathering Evidence: Build Your Case

If the harassment continues, or if someone’s considering legal action, evidence will be everything. Here’s what to keep:

Call logs, including dates and times of contact

Voicemails that include threats or foul language

Screenshots of texts or emails

Copies of all written communication

The certified mail receipt from the cease-and-desist letter

Audio recordings (if legally made)

Organizing these materials can be incredibly helpful when meeting with a debt relief attorney in Corpus Christi or if filing a complaint with the Consumer Financial Protection Bureau (CFPB) or the Texas Attorney General’s office.

When It’s Time to Call an Attorney

Let’s be real: collectors can get aggressive. And when that aggression turns into abuse, working with a debt relief law firm in Corpus Christi can make all the difference. Attorneys in this area don’t just file complaints—they can also file lawsuits against collectors under the FDCPA, potentially leading to damages of up to $1,000 plus attorney fees.

If the collector has already filed a debt collection lawsuit in Corpus Christi, a local attorney can respond with counterclaims, pushing back legally and forcing the collector to prove their claim. They can also help with options like filing for bankruptcy relief in TX, negotiating settlements, or defending against repossession lawsuits.

Real Debt Solutions Beyond the Harassment

Stopping the harassment is important, but solving the actual debt problem is key. That’s where bankruptcy lawyers in Corpus Christi, Texas come in. Whether it’s Chapter 7 bankruptcy for clearing unsecured debt or Chapter 13 bankruptcy for a structured repayment plan, legal relief is possible.

These attorneys also assist with foreclosure lawsuits in Texas, and help stop repossession efforts through court filings and emergency petitions. It’s not just about silencing the phone—it’s about rewriting the whole financial story.

Ready to Reclaim Your Peace?

Are you burdened with insurmountable debt? Are you looking for a trusted debt relief law firm in TX? Your search ends here. The Law Office of Joel Gonzalez is a name you can trust and rely on. Their experienced debt relief attorney in Corpus Christi, TX can provide you with quality legal assistance, helping you get your finances back on track. Joel Gonzalez can evaluate your situation and determine the best debt relief option. Call now to speak with someone who understands what you’re going through.