How do I file a complaint against a debt collector?

If you believe a debt collector has violated consumer debt defense law in California, you have the right to file a complaint against the debt collector. You can file a complaint with the California Department of Business Oversight or with the Federal Trade Commission. You should start by gathering all the documents related to the debt collection activity, such as any letters or emails from the debt collector, statements or bills that they sent you, and any receipts or other evidence of payments you made. Next, you should complete the complaint form of the agency to which you are filing a complaint (either the California Department of Business Oversight or the Federal Trade Commission). Make sure to include all relevant details as accurately as possible. Finally, you should provide copies of any documents related to the debt collection activity, as well as any responses you received from the debt collector. Once your complaint is filed, the agency you have contacted will investigate the matter. If they find that the debt collector violated California consumer debt defense laws, they can take action. This could include ordering the debt collector to stop their illegal activity, or even filing a lawsuit against them.

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