Get A Free Case Review


Credit card debt is one of the worst kinds of debt because it grows quickly and exponentially with interest increments. When this debt goes unpaid for a long enough time, it is typically purchased by debt collection agencies, which are separate entities from the credit card companies with which you opened your account.

Three to six months after defaulting on your payments, your unpaid debt is sent to a debt collection agency, where it becomes one of two types of debt depending on how it got to that agency. If the creditor hangs on to the debt and yet simultaneously sends it to a collection agency with a contract, this is called an assigned debt. If the creditor sells the debt to a collection agency, this is considered a purchased debt.

Regardless, you will start hearing from the collection agency as soon as that debt is passed on. If the agency believes there is a chance of collecting that debt from you, you risk putting yourself in the position of experiencing collection harassment.


Three major statutes protect consumers against credit card harassment and abusive debt collection practices:

Fair Debt Collection Practices Act (FDCPA)

The FDCPA is a federal act that requires third-party debt collectors to comply with specific rules and behaviors when collecting a debt. Under this federal act, consumers have the right to sue debt collectors who have illegally harassed or abused them for monetary compensation.

Telephone Consumer Protection Act (TCPA)

This federal law regulates original credit card companies and debt collectors who use an automated telephone dialing system or robocalls to call a consumer’s cell phone without consent. This statute entitles consumers who receive unauthorized robocalls to compensation of up to $1,500 per call.

Florida Consumer Collection Practices Act (FCCPA)

This statute provides consumers with additional protection from debt collection harassment by regulating any “person” attempting to collect consumers’ debt. The FCCPA applies its laws to third-party debt collectors and original creditors, while the FDCPA only regulates third-party debt collectors.


There are several key things a collection agency can do that are considered unethical in the realm of debt collection. These actions involve insistent and abusive behaviors that you are legally protected against.

Here are some of the main things unlawful debt collectors will do to try and collect your debt:

  • Call you at disruptive times, like before 8 AM or after 9 PM
  • Swear or threaten you as a way to force you into paying your debt
  • Threaten to sue you
  • Improperly file a lawsuit against you
  • Call your friends, family, place of business, job, or neighbors to discuss your financial situation
  • Call you using a machine that masks their voice so you won’t know who it is
  • Call you at work after being told they can’t call you there
  • Lie about how much money you owe to the credit bureaus
    Calling after finding out you’ve contacted The Law Offices of Jibrael S. Hindi for support

If you believe any of these apply to you, don’t hesitate to call our collection harassment attorney at 1(844)-JIBRAEL.


If you have a legitimate claim against a debt collector, you may be eligible to recover actual damages, statutory damages, and attorney’s fees.

Actual damages: This compensation encompasses lost wages, harm to your credit report, emotional distress, and other losses that the abusive creditors and debt collectors cost you.
Statutory damages: This includes compensation you will receive just because the debt collector violated your legal rights. Under the FDCPA, you can receive up to $1,000 for debt collection harassment. According to the TCPA, you can earn up to $1,500 for every robocall.
Attorney’s fees: If your suit succeeds, the FDCPA authorizes the repayment of all attorney’s fees.

Case Results

Millions Recovered For Our Clients

  • +$200,000,000

    Class Action Settlements


    TCPA Settlements


    Consumer Debt Waived

  • +$15,000,000

    Data Breach Settlements


    FDCPA Settlements


    Mass Arbitration Settlements

  • +$10,000,000

    FCRA Settlements


    Telephone Consumer Protection Act


    Fair Debt Collection
    Practices Act


If you have been suffering harassment by abusive debt collectors, you may have a legal remedy, and our credit card harassment attorneys are here to assist. At The Law Offices Of Jibrael S. Hindi, we make creditors and debt collectors pay for violating your legal rights as a consumer. In many cases, we can also have the debt completely eliminated. As seasoned credit card harassment attorneys, we’re passionate about defending you against companies who violate the law and securing the compensation that you deserve. Give our office a call today to make credit card harassment go away. Remember, when you’re being harassed by debt collectors, those collectors must pay your attorney fees. To schedule a free consultation with a knowledgeable credit card harassment lawyer, call 1-844-JIBRAEL or complete a contact form.

Get In Touch With Us

What Our Clients Have to Say

Honor. Integrity. Care.

  • “Mr. Hindi has shown me how much his clients mean to him. I appreciate how he has helped me with my case. He is attentive and if I have questions or concerns, he answers me in a matter of a few minutes! He won my case and I can't thank him enough!! Thank you again!!”

  • “Awesome experience. Got more in my case than anticipated. Mr Hindi was an excellent communicator and made sure to thoroughly follow up and execute on the case. Sending my friends and family to him!”

  • “Exceptional experience with The Law Offices of Jibrael S. Hindi! Personalized attention, expertise in consumer protection, and a successful outcome. Highly recommended!”

  • “Jibrael is very professional and thorough. He knew exactly what to do and I felt extremely comfortable trusting his process. The outcome was great and I got the exact results I needed. I would recommend him to anyone who needs legal services!”

  • “He changed my idea about lawyers. I've been having the worst luck in Florida with lawyers. That gentleman is raised home right before he became a lawyer. His service was above standard to the point he's worth every $ you will spend. He will be our family lawyer for sure. Highly recommend no doubt.”

  • “I contacted Mr. Hindi through a strong recommendation by a family friend. Mr. Hindi was professional and resolved my situation expediently while keeping constant communication with me about what was going on.”