When you’re drowning in credit card debt, it’s easy to feel like the credit card companies have all the power. They call, they send letters, and sometimes, they make you feel like there’s no way out. But here’s what many people don’t realize: you have rights. And those rights are protected under federal law.

At Mediator Law Group, we’re here to help you understand those rights and stand up against aggressive and unfair debt collection practices. It starts with knowing what the law says—and what collectors can and cannot do.

The FDCPA: Your First Line of Defense

The Fair Debt Collection Practices Act (FDCPA) was passed to protect consumers from harassment and abuse by third-party debt collectors. It’s one of the most important debt collection laws in place today, and knowing your FDCPA rights could make all the difference when you’re facing financial stress.

Here’s what collectors are not allowed to do under the FDCPA:

  • Call you before 8 a.m. or after 9 p.m.
  • Use threats, abusive language, or harassment
  • Call you at work after you’ve asked them not to
  • Lie about how much you owe or claim they are attorneys if they’re not
  • Threaten you with arrest or legal action, they cannot take

You also have the right to request written verification of the debt and to demand that collectors stop contacting you altogether.

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Credit Card Harassment: You Don’t Have to Put Up With It

Even if you’re behind on payments, you don’t deserve harassment. Credit card companies and collection agencies often walk a fine legal line—and sometimes, they cross it.

If you’re experiencing constant pressure, aggressive phone calls, or threatening letters, it’s time to take action. Keeping records of all communication, including voicemails and written notices, can help support your case if your rights are violated.

How to Protect Your Rights from Creditors

Understanding your rights is only the first step—enforcing them is what really matters. That’s where professional debt negotiators like Mediator Law Group can step in. We help you:

  • Communicate with creditors the right way
  • Negotiate your debt for less than what you owe
  • Ensure collectors stay within the law
  • Stop the harassment before it escalates

Whether you’ve received threatening letters or are unsure how to handle your debt, we can help you navigate a legal, respectful path toward resolution.

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Why Legal Support Makes All the Difference

Trying to stand up to a credit card company on your own can feel overwhelming. But with professional guidance, you’re not alone. At Mediator Law Group, we don’t just help you understand your FDCPA rights—we act on them.

Our legal team is experienced in identifying illegal collection behavior and helping our clients push back with confidence. We can also negotiate directly with creditors on your behalf to settle debt legally and for less.

The earlier you get support, the more options you’ll have—and the more stress you can avoid.

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Know Your Rights and Reclaim Your Peace of Mind

You’re not powerless when it comes to credit card debt. In fact, once you know your rights against credit card companies, you have the upper hand. With protections under the FDCPA and the backing of experienced legal negotiators, you can move forward with confidence and stop living in fear of the next collection call.

If you feel like you’re being treated unfairly or simply need help getting creditors off your back, reach out to Mediator Law Group today. We’ll review your situation, protect your rights, and help you find a real solution to your debt, without bankruptcy and without fear.