How to Deal with Credit Card Debt Harassment in the New Year
Household credit card debt reached record highs in 2025 while Americans also continued to deal with debt from auto loans, mortgages, and student loans according to ABC News. Between 2019 and 2025, consumer debt rose by $4.4 trillion. In addition, data shows that more consumers are missing credit card payments. Some are approaching delinquency, and others are already delinquent. Once the bank sells your credit card debt to a debt collector — typically after a certain length of delinquency — you are likely to begin receiving calls, texts, and other forms of contact from debt collectors. Are you feeling harassed by debt collectors over your credit card debt? You may be able to deal with your credit card debt in the new year through debt settlement. Our Lilburn debt settlement law firm can tell you more.
How You Are Protected by the Fair Debt Collection Practices Act
Before we discuss debt settlement possibilities, it is important to know that you have protections against debt collector harassment under the Fair Debt Collection Practices Act (FDCPA). Even if you owe a substantial amount of credit card debt that you have not paid, debt collectors cannot harass you.
In general, harassment means contacting you with a certain level of frequency or at odd hours, or contacting you at work after you have requested that contact stop. Debt collectors are permitted to use multiple forms of contact that include email, phone, text, and more, unfortunately. The FDCPA also prohibits debt collectors from making threats that include jail time, for example, for unpaid credit card debt. If debt collectors violate your rights under the FDCPA, you may be able to file a claim.
Settling Your Credit Card Debt By Negotiating with Debt Collectors
Regardless of whether the frustrating contact you are receiving from debt collectors violates the FDCPA, you may be able to eliminate it by reaching a debt settlement agreement. Debt settlement works like this: your lawyer negotiates a payoff amount with the debt collector that is a portion of what you owe, and in exchange your remaining debt is forgiven.
Once a debt is delinquent and has been sold to a debt collector, it may be possible to negotiate a debt settlement amount that is very favorable to you. Our Lilburn debt settlement attorneys are here to help negotiate your debt settlement in the new year.
Contact a Lilburn, Georgia Credit Card Debt Lawyer for Assistance with Harassment and Debt Settlement
Are you currently receiving multiple calls and texts from debt collectors? You have rights under the FDCPA that protect you from harassment. Beyond the FDCPA, you may be able to take steps to settle your debt in order to avoid future contact from debt collectors altogether. Settling your debt is something that our firm can help with. Do not hesitate to reach out to an experienced Georgia debt settlement attorney at Konn Law Firm LLC to find out more about your options for settling credit card debt in the new year. We are here to assist you and can speak with you today about moving forward with debt settlement negotiations.
Sources:
ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text
abcnews.go.com/Business/americans-household-debt-hits-new-record-high-report/story?id=127221208
