How can I protect myself from illegal collection practices?

Protecting yourself from illegal collection practices in California starts by understanding your rights. The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unfair, deceptive, and abusive practices from debt collectors. The FDCPA applies to all debt collectors, even those located in California. Under the FDCPA, debt collectors are prohibited from making false or misleading statements. Additionally, they cannot harass you over the phone, threaten you with arrest, or use profane language. Debt collectors must also follow the law when it comes to the timing, frequency, and method of collection activities. For example, they may not call you at all hours of the day. You also have the right to request information about the debt in writing. The debt collector must provide you with verification of the debt, such as the name and address of the original creditor. Additionally, they must cease all communications with you if you request it in writing. It is important to note that the FDCPA does not eliminate the debt. If a debt collector is violating the FDCPA, you can file a complaint with the Federal Trade Commission or sue the debt collector in state or federal court. Knowing your rights is the best way to protect yourself from illegal collection practices in California. By understanding how the FDCPA works and your rights as a consumer, you can take action against any debt collector who has violated the law.

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How can I protect myself from illegal collection practices?

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