What is consumer debt defense law?

Consumer debt defense law is a set of laws in California that protect consumers from creditor harassment and other unfair practices. It is designed to protect consumers from unscrupulous or predatory lenders, as well as to help consumers establish a plan to pay off their debts. It also allows consumers to challenge a debt that has been illegally charged or misrepresented by a creditor. The laws are in place to protect consumers from unfair debt collection practices, as well as to make sure creditors are not taking advantage of consumers who are in financial distress. This includes a prohibition on calling consumers before 8 am or after 9 pm, as well as prohibiting creditors from making false threats or using any form of harassment. Additionally, consumer debt defense laws provide consumers with the ability to dispute, negotiate, or even challenge any debts that have been fraudulently or unfairly reported to credit bureaus. These laws also provide a way for consumers to deal with debt collectors who are trying to collect a debt that is outside the statute of limitations. The goal of consumer debt defense law is to protect consumers and make sure they are treated fairly by creditors. It is designed to provide a level of protection to all consumers in California, regardless of their financial situation.

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What is consumer debt defense law?

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