How can I protect myself from unfair debt collection practices?

Protecting yourself from unfair debt collection practices in California starts with understanding your rights. The California Consumer Debt Defense Law (CCDDL) offers protections to consumers when it comes to debt collection, including setting limits on how and when lenders can contact you. First, be aware that a debt collector cannot contact you at inconvenient times, such as before 8:00 a.m. or after 9:00 p.m. They also cannot contact you at your place of work or contact other people about your debt. Second, remember that debt collectors cannot threaten you with violence or use profane language. They also cannot give out false or misleading information about your debt, such as claiming you owe much more money than you actually do. Third, you should always get debt collectors to provide proof of the debt they are trying to collect, such as a copy of the original contract. You have a right to dispute any debt that is inaccurate or incorrect. Finally, the CCDDL offers additional protections depending on the type of debt involved, such as a ban on debt collectors demanding more than you owe. By understanding your rights under the CCDDL and standing up for them, you can protect yourself from unfair debt collection practices.

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How can I protect myself from unfair debt collection practices?

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