Stop Debt Collector Harassment in California

California Debt Collection Laws

All California residents are protected under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is the federal law that debt collectors follow when collecting on a debt, regulating the times they can call, the information they must provide you, and how frequently they can contact you regarding a debt.

In addition to the federal FDCPA, California has its own debt collection law that expands on these federal protections – the California Fair Debt Collection Practices Act (CFDCPA). California’s FDCPA offers additional protections to California residents not covered under the federal FDCPA.

If you are a California resident, you are protected by both the FDCPA and the CA-FDCPA.

What is the “CA-FDCPA?”

In addition to debt collector harassment, the CA-FDCPA protects consumers from unfair practices by original creditors, companies who make forms and tools used for debt collection, and attorneys and their staff who collect debts. The CA-FDCPA also applies to creditors who collect debts on their own behalf.

The CA-FDCPA may not cover occasional debt collectors, foreclosure, and/or commercial debts. Because of this, it is important that you bring your case to a qualified consumer attorney for evaluation as soon as possible, especially if you wish to take legal action under the FDCPA or CA-FDCPA.

The California Fair Debt Collection Practices Act is commonly referred to as the “Rosenthal Fair Debt Collection Practices Act” (RFDCPA).

FDCPA Guidelines in California

The FDCPA and CA-FDCPA are the basis for restricting and regulating the methods under which debt collectors can contact and communicate with you.

The FDCPA in California requires debt collectors to:

• Refrain from using obscene or profane language.
• Tell you who they are.
• Use envelopes that do not indicate they are from a collector in an effort to protect the identity of the debtor.
• Call ONLY between the hours of 8:00 am and 9:00 pm, unless you tell them otherwise.

Get FREE Legal Help in California

In California, legal representation is 100% cost-free for consumers and debtors who have had their FDCPA rights violated. If you have been threatened, harassed, deceived, and/or abused by any debt collector within the last year, you may be able to seek damages – up to $1,000.

Our dedication to our clients and understanding of both California State and federal debt collection laws have helped thousands of consumers to stop abusive calls in their tracks. We use the law to fight for your rights and stop harassing debt collection calls permanently.

Contact us at 1-800-668-3247 today to stop unwanted phone calls and put an end to debt collector harassment.