A while back, I was being harassed by a debt collector for a bill I was pretty sure wasn't mine. I was stressed, getting constant calls, and didn't know what to do. I knew I had rights under the FDCPA but had no clue how to actually enforce them.
I found a directory and some really clear guides on this site which helped me find a local lawyer who specialized in this. It was the best decision. The lawyer sent one letter and the calls stopped immediately. They ended up getting the debt dismissed and we even settled for a small amount for the harassment. It was my first time hiring a lawyer for anything, and this experience showed me how crucial they are for protecting yourself. Hope this helps someone else.