In order to stop being harassed by debt collectors in Virginia, you need to know your rights under the law. Watch this video to find out what debt collectors are allowed to do and not do, and whether a debt collector has violated the law.

While debt collectors have the right to attempt collecting an unpaid debt, there are restrictions they have to abide by under the federal statute called the Fair Debt Collection Practices Act (FDCPA). Under the FDCPA, there are many practices that are off limits for debt collectors. For example, debt collectors can only call you between the hours of 9 a.m. to 5 p.m. Also, they are not allowed to threaten you, call you names, or harass you. If they do any of these things, or any of the other numerous restrictions under the FDCPA, you may be entitled to a $1,000 penalty, all of your damages, and your legal fees.

To help prove that a debt collector has harassed you and is in violation of the law, contact The Consumer Law Group in Richmond at 804-282-7900 or online at

John Cole Gayle, Jr.
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Consumer Law Pioneer and Co-Author of Virginia's Lemon Law