Silence the Collectors. Reclaim Your Life.
Professional advocacy to end debt harassment—at $0 cost to you.
Are you tired of the endless phone calls, the aggressive texts, and the stress of third-party debt collectors? At Advocates for Consumers in Debt (ACD), we turn the tables. We use federal law to stop the harassment, dispute the debt, and—if they break the rules—make the collectors pay you.
Stop the Calls Now — Apply for FreeHow the Process Works
You Enroll
Cease & Desist
Dispute
45-Day Review
Monitoring
Outcome
You Enroll
Consumers in Debt assists consumers in asserting their rights under the FDCPA. At this stage, you are not yet part of the program.
Your Rights Are Not Optional
Debt collectors often count on you not knowing your rights under the
Fair Debt Collection Practices Act (FDCPA).
We’re here to make sure they follow the law.
Expert Advocacy
A dedicated group of counselors and lawyers working for you.
Total Silence
We send the legal "Cease and Desist" that forces collectors to stop all communication.
Zero Out-of-Pocket
You pay nothing. We collect fees only if collectors violate the law.
Financial Rewards
You could receive up to $1,000 in damages and even eliminate your debt.
Advocates for Consumers in Debt (ACD)
May be Able to Relieve you of Some Financial Pressure Now
Would your life be better if legally you had the right to stop the endless calls and the stress caused by Debt Collectors?
Under Federal Law, with proper notice to these Collectors, you have the right to advise them to cease and desist from any communication with you, and to dispute the correctness of your debt requiring the Collectors to inform the Credit Bureaus that your debt is in dispute.
What are my rights if the Debt Collector contacts me or does not advise the Credit Bureau that I question the correctness of the debt?
In that instance, the Debt Collector may have violated the Fair Debt Collection Practices Act (FDCPA). As a result of this violation, the debt may be eliminated and you could receive up to $1,000.00 for the violation. This would be at no cost to you. The Debt Collector would be responsible for your Attorney fees.
So, what is next?
How is this actually free?
No Upfront Fees
No Hourly Rates
No Hidden Charges
If collectors break the law, they pay the legal fees — not you.
Advocates for Consumers in Debt (ACD)
May be Able to Relieve you of Some Financial Pressure Now
Would your life be better if legally you had the right to stop the endless calls and the stress caused by Debt Collectors?
Under Federal Law, with proper notice to these Collectors, you have the right to advise them to cease and desist from any communication with you, and to dispute the correctness of your debt requiring the Collectors to inform the Credit Bureaus that your debt is in dispute.
What are my rights if the Debt Collector contacts me or does not advise the Credit Bureau that I question the correctness of the debt?
In that instance, the Debt Collector may have violated the Fair Debt Collection Practices Act (FDCPA). As a result of this violation, the debt may be eliminated and you could receive up to $1,000.00 for the violation. This would be at no cost to you. The Debt Collector would be responsible for your Attorney fees.
So, what is next?
What Our Clients Say
Real people. Real relief.
“I couldn’t even pick up my phone without shaking. ACD stepped in, the calls stopped within 48 hours, and I finally feel like I can breathe again.”
“Professional, fast, and exactly as advertised. I didn’t pay a cent, and they handled everything.”