Q: What else can I do if I think a debt collector has broken the law?
A: You can sue a collector in a state or federal court within one year of the date the law was violated. You can sue for damages, like lost wages and medical bills. If you can’t prove damages, you can still be awarded up to $1,000, plus reimbursement for attorney’s fees and court costs. A group of people suing as part of a class action lawsuit can recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower.
Even if a court finds a debt collector violated the FDCPA in trying to collect a debt, you still owe the debt.