The holidays are supposed to be a time of peace, reflection, and connection. But for many people burdened by debt, this season has a different soundtrack: relentless phone calls, threatening voicemails, and constant pressure from debt collectors.
If you’re feeling overwhelmed, know that you are not alone and have the right to make it stop.
At Fitzgerald & Campbell, we help Californians fight back against debt harassment, even during the busiest (and most emotionally charged) time of year. You do not have to accept abusive tactics just because you owe money. The law is on your side.
Why the Holidays Bring a Surge in Collection Calls
Debt collectors know what they’re doing. At the end of the year, many consumers receive bonuses, tax documents, or family financial support. Collectors ramp up their efforts during this time, hoping to pressure people into making payments—even if it means using tactics that cross the legal line.
You may hear things like:
- “You’ll be sued if you don’t pay today.”
- “We can garnish your wages right after New Year’s.”
- “We’ll report this to your employer.”
- “Don’t you want to clear this up before the holidays?”
These scare tactics aren’t just manipulative—they could also be illegal under the Fair Debt Collection Practices Act (FDCPA) and California’s Rosenthal Fair Debt Collection Practices Act. You don’t have to tolerate threats, lies, or harassment.
Know Your Rights: What Collectors Can and Can’t Do
It’s important to understand what debt collectors are not allowed to do:
- They can’t call you at odd hours (before 8 a.m. or after 9 p.m.).
- They can’t threaten you with jail time.
- They can’t call your family, friends, or employer to collect the debt (though they may contact them once to get your contact info).
- They can’t lie about the amount you owe or falsely claim legal action has been taken.
If a collector is doing any of the above, you have the right to demand they stop—and you may be entitled to compensation if they violate the law.
Even if the collector is within legal boundaries, you can still request that all communication be in writing. This can help protect your peace of mind, especially during the holiday season.
Steps You Can Take Right Now
If you’re tired of dodging calls and feeling anxious every time your phone rings, here’s what you can do:
- Document every call and message. Keep a record of dates, times, and what was said.
- Send a written request to stop contact. Under federal law, a debt collector must stop calling once you request it in writing.
- Don’t make promises you can’t keep. Agreeing to a payment plan you can’t afford may do more harm than good.
- Talk to a debt attorney. A legal team can take over communication and advise you on the best path forward.
You don’t have to go through the holidays feeling hounded and helpless. Getting legal help now can give you the breathing room to enjoy the season and start the new year on a stronger footing.
Debt Protection Services We Offer
At Fitzgerald & Campbell, we believe no one deserves to be harassed—especially not during the holidays. Our team is here to take the calls for you, stop illegal collection activity, and explore real solutions to help resolve your debt.
Whether you're facing lawsuits or collection calls or need someone to advocate for you, we’re ready to help.
Don’t let another week pass by feeling powerless. Contact us today at (844) 431-3851 for a free consultation and find out how to end the harassment for good.