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Suing Abusive Debt Collectors Book

Suing Abusive Debt Collectors
Written by Allen Harkleroad
278 Pages
8x10 Print Format
Published June 27, 2011

ISBN : 0-9789997-7-0
ISBN-13: 978-0-9789997-7-3


Purchase Print Edition from $24.95

PDF eBook format from my store $14.95
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Allen Harkleroad has written several books including the consumer book titled "Stick It To Sue Happy Debt Collectors", a guide on defending yourself against debt collector lawsuits in court and winning.

Allen has been repeatedly referred to as the "Most Dangerous Consumer in America" by many people. There is a reason why, just ask any bad company or abusive debt collector that has the unfortunate experience of dealing with Mr. Harkleroad.

Allen Harkleroad is not an attorney, however he has battled dozens of bad debt collectors, debt collection companies and debt collection lawsuits. He has successfully sued several of them wants to share the knowledge with you.

"Allen, I loved your book read it twice, it’s a simple way to explain things to people who are very confused on what to do and what to look for as these debt collectors ravage them for money.

Anyone can understand their rights, as you fully explain the so many facets of the debt collection business and how normal, average peole can defend themselves from so many ruthless attacks that violate federal law.

Even when all this started for me 2 yrs ago I had hide nor hair what my rights are, your 1st book was inspirational and great, this 2nd one is even better. Thank you for all the time you invested for we the people.

I wish everyone whom is going through a debt collection process could know about your books---I for one will tell everyone about them, this is priceless info. Again Allen, thank you.
" ~ Ralph J.
QUOTE "Allen Harkleroad may just be the most dangerous consumer in America for companies that treat people unfairly. He has a long and distinguished history of sticking it to those who have treated him and others unfairly, be it through his famous or infamous depending on whether your company has been targeted "" sites or his experiences in battling some of the largest debt collectors on the planet. The only thing more surprising than the list of huge opponents he has taken on are the results he consistently achieves with nothing other than hard work and a passion for standing up for what he believes in." ~ Chris Gleason Esq. Consumer Protection Attorney



Purchase Print Edition from $24.95

PDF ebook format from my store $14.95 (instant download after purchase)

Other books by Allen

Stick it to Sue Happy Debt Collectors
In this book, I cover original creditor lawsuits and junk debt buyer lawsuits (3rd party collectors), and the similar ways that you will deal with them. I will also cover strategies to keep debt collectors off your back before any lawsuits are filed and how and when to sue a debt collector for violations of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).




Listen to Allen's radio interview regarding debt collectors on KSVY Sonoma California with host Jamie Waterman, Click here to listen to the broadcast. (39 minutes, under 5mb MP3) 


Visit Allen's other websites

Beat Debt Collectors
(Stick it to Sue Happy Debt Collectors Book)

Statesboro Business & Lifestyle Magazine

Allen Harkleroad's Personal Website

How to Sue Debt Collectors for FDCPA Violations, Harassment and Abuse

The biggest secret in the debt collection industry is that upwards of ninety-eight percent of legitimate consumer filed Fair Debt Collection Practices Act (FDCPA) lawsuits are settled before they make it to a courtroom.

 Many times a debt collection company will make an offer of settlement immediately after they file an answer to your complaint. I go into more detail as to why they do settle in the book.

I know firsthand, as I have filed many FDCPA lawsuits against collectors and collection law firms. In addition I have performed thousands and thousands of hours of legal research including FDCPA (lawsuit) filings. In all but a very small handful of cases, the lawsuits were settled before going to trial.


This book is just one of several reasons why they call me the "Most Dangerous Consumer in America".

This is the official website of Allen's consumer book on How to Sue Debt Collectors and how to Stop Debt Collectors in their tracks. The book will cover how to identify illegal and abusive debt collection tactics, how to catch (trap) the collectors and how to sue them in court.

Allen Harkleroad, the author, is a longtime veteran of defending himself in court against debt collectors (and winning), and suing debt collectors for illegal collections (and winning). He shares his knowledge, years of experience, skills, and thousands of hours of research so that other consumers can fight back and stop abusive debt collectors.

Learn How to Sue Debt Collectors that break the law and stop the debt collectors cold. Don't get mad, get even and get PAID!

The book is an easy to understand step-by-step guide with real life examples and stuffed full of tips and tricks on stopping debt collectors and profiting from their abuse. the books covers fair debt collection practices act (FDCPA), fair credit reporting act (FCRA), and the telephone consumer protection act (TCPA) that debt collectors frequently use to abuse consumers.

278 pages in 8x10 print format

Publishing Date: June 27, 2011

ISBN: 0-9789997-7-0
ISBN-13 978-0-9789997-7-3


Suing Abusive Debt Collectors - Table of Contents


Chapter One – How to Use This Book

Chapter Two – Illegal Collections and How to Identify Them

Original Creditor and Third party debt collectors (junk debt collectors or assignees of the original creditor)

FDCPA – Fair Debt Collection Practices Act

FCRA – Fair Credit Reporting Act

TCPA – Telephone Consumer Protection Act

State Laws - Overview

Chapter Three – How to Catch Them in the Act

Lack of Disclosure

Cease Communication Letters Can Be Your Best Friend

False Statements and Fraudulent Collection Practices

Cell Phones


Chapter Four – Preparing Your Case

So Who Exactly Behind the Collections?


Initial Steps in Filing Suit

Chapter Five – Filing Suit

Court Rules (Rules of Civil Procedure)

Filing the Complaint

Serving the Complaint, Order of Entry and Summons

More Often than Not They Will Offer to Settle at This Point

Chapter 6 – Settle or Continue the Suit?

Federal Rule 408 - Compromise and Offers to Compromise

Chapter 7 – Legal Precedents, Pro Se Legal Resources and How To Use Them

Legal Decisions and Citations to Support Your Claims

Chapter 8 – FDCPA, FCRA, and TCPA Official Code


Excerpt from the book

This book is written with consumers in mind, primarily for those who have been harassed, or abused, by unscrupulous debt collectors. Much of the information included are from the authors own real-life experiences. The author will show you how to identify illegal collection tactics, how to prepare evidence and how to file a lawsuit against a debt collector.

If you are reading this book then you are probably at your wits end and most likely have been harassed or abused by one or more debt collectors. It is time to turn the tables on illegal debt collections and hit them where it hurts, in the wallet.

The big secret in the debt collection industry is that in upwards of ninety-eight percent of legitimate consumer filed Fair Debt Collection Practices Act (FDCPA) lawsuits the collection company will settle before they case every makes it to a court room. Many times an offer of settlement is made as soon as the collection company files an answer to your com-plaint. I will go into more detail as to why they do often settle later in the book.

I know, because I have filed many FDCPA lawsuits against collectors and through my thousands of hours of legal research. Nearly every day I am reading consumer FDCPA filings and check to see if they ever make it to trial. In only a small handful of cases, the consumer’s complaint goes to the courtroom, which means there is a very high chance that you will get a settlement (and a check) shortly after you see a debt collector.

While the Federal Trade Commission does regulate much of the collection industry, they are slow at holding abusive debt collectors accountable. It is up to consumers like you to fight collection abuse. The more of us that do, the less abuse will occur.

As you will soon discover by reading this book that catching debt collectors breaking the law and then filing suit against them are relatively simple and easy tasks.

My motto: “Don’t Get Mad, Get Even and Get Paid!

The information contained in this book is geared towards consumers that are tired of being abused or harassed by bad debt collectors. I will teach you how to identify the different types of illegal debt collection, how to collect evidence, and then sue the collector for violating your rights and the law. Included are systematic instructions, detailed explanations and my own real-life examples to help illustrate different portions of the book.

Also included in this book are collectors dirty little secrets that they prefer you never read, as it will cause them much trouble when confronted in court.

In chapter two, I will explain in detail many of the most frequent illegal collections going on in the collection industry and how you can use them against collectors in a court of law. I will cover fair debt collection practices act (FDCPA), fair credit reporting act (FCRA), and telephone consumer protection act (TCPA) violations. Several of the federal laws (Acts) apply to third party debt collectors as well as original creditor collections.

In chapter three, I will cover various ways to “catch” collectors violating the law and how to gather proper evidence to use against them. Many of them are common sense violations. However, the uninformed consumer could overlook several items. I want to make sure that you have all the tools available to “stick it” to the abusive debt collectors.

In chapter four, I will explain the various aspects of filing an actual civil complaint and how to prepare your documents in an easy to understand systematic process with explanations of each item.

In chapter five, I will explain and illustrate the drafting of a complaint, how to file, as well as proper court procedure for serving a summons and complaint on the defendant.

In chapter six, I will cover whether or not to accept an offer of settlement from the collection company or to move forward in court with your complaint.

In chapter seven, I provide additional pro se litigation resources for legal research, finding and using legal citations and decisions. While I cannot cover every possible scenario, I do provide the additional resources so that you are able to locate what you need to add additional factual allegations to your own complaint.

Included throughout the book are my personal experiences dealing with debt collector harassment and abuse. Several of them had me at wit’s end and I do not want anyone else to endure the things that I have in the past. quotes me (Allen Harkleroad) in an article on
Supreme Court case could curb debt collection lawsuits

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The author Allen Harkleroad is not an attorney. The information contained in the book is from the author's own personal experiences, including any example legal pleadings. Nothing in this book is intended to be, nor shall it be construed as legal advice. This book is for informational purposes only. Legal information is not legal advice.

Copyright © 2011-2016. Allen Harkleroad, All Rights Reserved.