Debt Collector Harassment in Fargo, ND

Debt collector harassment is the intimidation, bullying, abuse, or coercion of consumers into paying off the money they owe. In Fargo, North Dakota there are two things to consider when thinking about debt collection: harassment and misrepresentation. The presence of either of these things constitutes debt collector harassment and may require you to take legal action against the collector.

Debt Collector Harassment in Fargo, North Dakota

Debt collector harassment continues to be an issue in Fargo and across the state. In fact, North Dakota’s Attorney General Office issued Cease & Desist Orders against three fraudulent out-of-state debt collectors. The following are some of the illegal harassment they engaged in:

  • Being misleading about the debt owed or the purpose of contact
  • Threatening to harm you, your reputation, or your property
  • Calling continuously, or before 8:00 am or after 9:00 pm
  • Trying to collect a debt already paid
  • Using obscene or profane language

If you are a victim of any of these examples of harassment, you may have a right to sue the debt collector for violations of the Fair Debt Collection Practices Act (FDCPA). An experienced Fargo attorney can help you identify your options and build a strong case.


Misrepresentations by a debt collector refer to someone making false claims or accusations or using false, deceptive, or misleading practices. This also includes misrepresenting any debt you may have. See some examples of this and other Illegal Debt Collection Practices below:

  • The amount of money you owe
  • False threats saying they will have you arrested
  • Saying they are an attorney if they aren’t one
  • Threats to do something that the debt collector has no intention of doing
  • Threats to take actions that are not within the confines of the law

If you think any Fargo, ND debt collectors may have misrepresented themselves to you, it’s important to remember that you have options. Get in contact with an attorney that understands debt collector law.

Who Are Debt Collectors?

Most people don’t know what a debt collector is until they have one incessantly calling them about paying off debt. So, who are debt collectors? Who do they work for?

Collectors come from a debt collection agency that works with creditors who are owed debts. If you have outstanding debt in Fargo such as credit debt, unpaid loans, and personal loans, your creditor may contact a debt collection agency. This agency then assigns a debt collector to your case.

The Better Business Bureau provides the name, address, rating, and reviews of collection agencies operating in and around Fargo. These agencies include:

  • DCI Credit Services Inc
  • Red River Collections
  • United Accounts Inc
  • Rodenburg Law Firm

What Should You Do If You’ve Been Harassed By a Debt Collector In Fargo, North Dakota?

Step 1: Know Your Rights

If you think Fargo debt collectors are harassing you, then it’s important to become familiar with the Basics of the Fair Debt Collection Practices Act. The FDCPA was passed in 1977 to protect consumers from collection agencies. If a debt collector violates any of the harassment or misrepresentation rules, the victim has a right to sue the collector for violation of the FDCPA.

Step 2: Collect Records

Have you been harassed in Fargo, ND by a debt collector? If so, it’s important to begin to gather evidence.

The National Consumer Law Center outlines the steps you can take when preparing to address debt collector harassment in Fargo:

  • Keep a file of all documents received, including the envelopes
  • Send all documents by fax or certified mail to verify the receipt
  • Take notes on what is said on each call
  • Log the date, time, caller name, and company name on each call

Step 3: Remain Calm and Act Deliberately

When you’re being abused or harassed by a bullish Fargo debt collector, it’s easy to get angry and act impulsively. Unfortunately, this can cause you to say or do something detrimental to your case. Instead, try to remain calm and make all your actions deliberate and well-thought-out. Not only will this be better for keeping your stress levels low, but it will prove helpful if you go to court. You can show that you were respectful and calm while the debt collector was the one using abusive language.

Step 4: Ask for Debt Verification

If you’re constantly getting phone calls from Fargo, ND debt collectors harassing you about what you owe, you need to ask for debt verification. Not only will this show whether or not they are misrepresenting your debt, but the debt collector must also stop contacting you until they provide the information you requested. Debt verification should show the amount of debt you owe and the name of the creditor. You have 30 days to dispute the validity of the debt. If you don’t dispute the debt, the creditor will assume the debt is valid.

Step 5: Contact an Attorney

If you’re the victim of debt collector harassment, it’s time to stand up and fight back. You deserve to live a life free from abusive and repetitive phone calls. Fargo attorneys that understand What to Expect When Suing for Debt Collection Harassment, and local debt collection laws, can help you make this possible. If the debt collector threatens to or does take legal action regarding your outstanding debts, working with an attorney becomes even more important.

Step 6: Present Your Case

By hiring an experienced Fargo, ND debt collector attorney, you have a better chance of winning the lawsuit and getting financial compensation for abuses such as phone harassment.

If you live in Fargo, you may begin your lawsuit in the Cass County District Court. However, you might also be able to file in US District Court, District of North Dakota. Choosing where to file can be tricky, so it can be advisable to consult with a Fargo attorney. Be aware, the statute of limitations for a harassment violation is one year. This means you only have one year from the time the debt collector harassment occurred to sue for damages. According to the Federal Trade Commission you could be awarded for damages such as lost wages and medical bills. Even if you can’t prove damages, you could still receive up to $1,000, and be reimbursed for attorney fees and court costs.

Work With an Experienced Fargo, North Dakota Debt Collector Harassment Lawyer

If you’ve experienced debt collector harassment in Fargo, ND it’s time to put an end to it so you can move forward with life. There are laws in place to protect consumers from debt collectors. Legal assistance can help you to navigate these complex laws and defend yourself in court, if necessary.

Are you ready to find a debt collector attorney near you so you can finally fight back against the harassment? We can even help you connect with an attorney across North Dakota state lines.

Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!

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