Average credit card debt: $5,221. Credit card debt is the most common consumer debt in America. Under the FCBA, you have 60 days to dispute billing errors. Many collection accounts lack proper documentation.
Common Harris & Harris Violations
Threatening arrest or criminal prosecution for civil debt
Adding unauthorized collection fees
Failing to provide proper mini-Miranda warning
Credit Card Debt Dispute Strategies
1
Request debt validation under FDCPA § 1692g
2
Dispute billing errors under FCBA within 60 days
3
Check if debt exceeds statute of limitations
4
Negotiate settlement at 40-60% of balance
5
File CFPB complaint if collector violates FDCPA
Tips Against Harris & Harris
Harris & Harris collects government and municipal debts — verify with the issuing agency
Parking tickets and municipal fines have specific appeal processes
No collector can threaten arrest for consumer debt — report this immediately