Getting a call from a debt collector never feels good. Some calls cross the line. They become too frequent, too aggressive, or just plain threatening.

If you’ve been there, you’re not alone. The good news is that Kentucky law gives you rights and protection. You don’t have to put up with harassment.

What Is the DCPA?

The Debt Collection Practices Act (DCPA) is Kentucky’s law that shields you from abusive debt collection tactics. Think of it as a rulebook for debt collectors. It sets limits. Collectors can’t use threats, foul language, or mislead you about what might happen if you don’t pay. That’s the law in black and white.

For example, let’s say a collector keeps calling at all hours. Or they tell your boss about your debt, putting your job at risk. Maybe they send letters that look deceptively like official legal notices meant to scare you. All these things fall under DCPA violations.

Why Does DCPA Matter?

Collectors who break the rules can be held accountable for action. You may even recover damages. The DCPA ensures you’re treated with basic respect and not bullied out of your peace of mind.

Even better, many protections under the DCPA overlap with federal law, so you’re double-covered. And that makes a collector’s reckless behavior even riskier for them.

Common DCPA Violations

Not every collection call violates the law. Here’s what does:

  • Calls before 8 a.m. or after 9 p.m.
  • Repeated calls meant to annoy or harass.
  • Contacting you at work after you ask them not to.
  • Telling third parties (like your neighbor or employer) about your debts.
  • Threatening actions they can’t legally take (like arrest).
  • Using obscene or abusive language

If any of this sounds familiar, you could have a legal claim. Save all letters, messages, and notes about the calls. Details help a debt collection attorney build your case.

How an Attorney Can Help

You don’t have to deal with debt collectors on your own. Here’s what a debt collection attorney can do for you:

  • Review your situation and all communication from collectors.
  • Advise if the collector broke Kentucky or federal law.
  • Communicate directly with collectors on your behalf.
  • File a lawsuit if needed to recover damages.
  • Stop the calls and stress so you can focus on your life.

Often, just having an attorney step in ends the harassment. Collectors know the rules. When a lawyer calls back, they listen.

Real Peace of Mind

Imagine checking your voicemail and not dreading what you’ll see or hear. Picture opening your mail without anxiety. That’s not wishful thinking; it’s the point of the DCPA and why these laws exist. You deserve to be treated fairly, no matter how much you owe.

Don’t feel embarrassed about asking for help. Debt can happen to anyone. A good attorney stands between you and the people making your life harder.

Find Your Debt Collection Attorney Near Lawrenceburg, KY

Tired of being harassed by collectors? Do those letters cross the line? What are your next steps? Reach out to the Law Office of Matthew L. Collins. You’ll get real answers and real support. All it takes is one call or a visit to the office in Lawrenceburg.

You never have to face debt collectors alone. Kentucky’s DCPA has your back, and so does our law office. If you think your rights have been violated, contact us today. We help Central Kentucky stand up to unlawful debt collection—and take back the peace and dignity you deserve. We are located in Lawrenceburg, Kentucky, and serve the surrounding Central Kentucky area, including Anderson County, Woodford County, and Fayette County. Schedule your free consultation today.

Disclaimer: This blog provides general information and is not legal advice. Readers should seek professional counsel like that from our team at Matthew L. Collins Law Office before acting on their case without representation.