Story perspectives

Surge in Debt Collection Violations Sparks Borrower Action

2/12/2026

Summary

Story summary

Debt collection activity has surged, with borrowers facing over $1.23 trillion in credit card debt.
Many collectors violate the Fair Debt Collection Practices Act, prompting borrowers to seek legal recourse.
Complaints can be filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or state attorneys general for harassment and improper communication.
Filing complaints can hold collectors accountable and prompt consideration of debt relief options.

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Story summary

Debt collection activity has surged, with borrowers facing over $1.23 trillion in credit card debt.
Many collectors violate the Fair Debt Collection Practices Act, prompting borrowers to seek legal recourse.
Complaints can be filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or state attorneys general for harassment and improper communication.
Filing complaints can hold collectors accountable and prompt consideration of debt relief options.