CALIFORNIA UNFAIR DEBT COLLECTION ATTORNEYS

End Debt Collector Harassment Today with the Help of Unfair Debt Collection Attorneys

Debt collectors often add stress to already challenging financial situations. Harassment from debt collectors can make a difficult time unbearable, but you have rights. Our FDCPA attorneys at R23 Law are here to help you fight back and reclaim your peace of mind.

Understanding the Fair Debt Collection Practices Act (FDCPA)

The FDCPA is a federal law designed to curb abusive, deceptive, and unfair debt collection practices. Despite these protections, many debt collectors continue to violate the law, causing significant distress for consumers.

Why Were Debt Collection Laws Enacted?

Congress enacted the FDCPA to address the widespread use of abusive practices in the debt collection industry. These practices contribute to personal bankruptcies, job losses, and invasions of privacy. Existing laws were inadequate, and the FDCPA aims to eliminate abusive collection methods and protect consumers.

Common Types of Debt Collector Harassment

Debt collectors often engage in various forms of harassment, including:

• Frequent and persistent phone calls.

• Threats of violence or legal action.

• Using obscene or profane language.

• Misrepresenting themselves as government officials or attorneys.

• Publicly disclosing debts to embarrass consumers.

Your Rights Under the FDCPA

The FDCPA provides several protections to help you fight back against harassment:

• Debt collectors cannot contact you at inconvenient times or places.

• They must stop contacting you once you inform them in writing that you refuse to pay or want them to stop.

• They cannot use false, deceptive, or misleading representations to collect a debt.

• They are prohibited from using unfair or unconscionable means to collect debts.

California's Rosenthal Fair Debt Collection Practices Act

In addition to the FDCPA, California residents are protected by the Rosenthal Fair Debt Collection Practices Act (Rosenthal Act), which further regulates debt collection practices within the state. The Rosenthal Act prohibits:

• Threatening violence or using obscene language.

• Calling repeatedly to harass or annoy.

• Disclosing your debt to third parties without permission.

• Misleading you about the consequences of non-payment.

• Collecting more than is legally allowed.

What To Do If Harassed by Debt Collectors

If you’re facing harassment from debt collectors, here are steps you can take:

1. Document Everything: Keep records of all communications, including dates, times, and content.

2. Send a Cease and Desist Letter: Inform the debt collector in writing that they must stop contacting you. Our attorneys can help draft this letter.

3. Know the Law: The FDCPA and Rosenthal Act protect you from harassment and abusive practices.

4. Seek Legal Help: Contact our experienced FDCPA and Rosenthal Act attorneys for assistance in taking legal action against debt collectors.

Legal Remedies and Compensation

If a debt collector violates your rights, you can:

• File a Complaint: Report the debt collector to the Consumer Financial Protection Bureau (CFPB) and your state Attorney General.

• Sue for Damages: You can sue for actual damages, statutory damages, and attorney's fees.

• Seek Punitive Damages: In cases of willful misconduct, punitive damages may be awarded to deter future violations.

How R23 Law Can Help

At R23 Law, our attorneys have extensive experience in handling debt collector harassment cases. We can help you:

• Stop harassing phone calls and communications.

• Dispute debts and correct inaccuracies on your credit report.

• Hold debt collectors accountable for their actions.

• Recover compensation for any damages you've suffered.

Contact Us Today for a Free Consultation

Don't let debt collector harassment control your life. Contact R23 Law today for a free consultation. Our dedicated FDCPA and Rosenthal Act attorneys are ready to help you protect your rights and achieve a favorable outcome. We are committed to providing the support and legal expertise you need to navigate this challenging time and restore your peace of mind.