How do I stop a debt collector from harassing me?

If you are being harassed by a debt collector in California, there are steps you can take to stop the harassment. First, make certain that the debt collector is legitimate and that they have a valid debt collection license. You can go online to the Department of Business Oversight website and look up the license number to confirm the license is valid. The next step is to inform the debt collector that you do not wish to be contacted. You should do this in writing. You can send the letter via certified mail with a return receipt, or you can fax or email it along with a proof of delivery confirmation. The letter should be addressed to the debt collector’s representative and should state that you do not wish to be contacted any further about the debt. In addition, you can file a complaint with the Federal Trade Commission or the California Department of Business Oversight, which can help protect consumers from unjust debt collection practices. If the debt collector continues to harass you even after you have sent them a letter, you may want to consider seeking legal advice. An attorney can provide advice on ways to fight back against debt collectors and may even represent you in court. Overall, it is important to know your rights as a consumer and to take the necessary steps to stop debt collector harassment. Understanding consumer debt defense law in California can help protect you from unscrupulous practices and give you peace of mind.

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