What can I do if I am being threatened by a debt collection agency?

If you are being threatened by a debt collection agency in California, there are steps you can take to protect yourself. First, it is important to differentiate between a legitimate debt collector and someone who is attempting to scam you. You can do this by asking the caller to provide you with their name, address and phone number. If they are a legitimate debt collector, they will be legally required to provide this information. If they are refusing to provide this information, they are possibly engaging in a scam and you should not engage. Secondly, it is important to know your rights. In California, collection defense law includes restrictions on what a debt collector can and cannot do to collect a debt. For example, a debt collector is not allowed to threaten you with legal action, harass you, or contact you at inappropriate times. They are also not allowed to use profane language or call you repeatedly. If a debt collector does threaten you with legal action, you can contact your local legal aid office for help. If a debt collector is engaging in any other illegal activity, you can file a complaint with the Federal Trade Commission. It is important to remember that you have the right to dispute any debt that you believe is inaccurate, and the debt collector must prove the debt is valid. It is important to take action if you are being harassed or threatened by a debt collector. By understanding your rights under California collection defense law and knowing how to take action, you can protect yourself against debt collection agencies.

Related FAQs

Can I recover attorney’s fees if I win a collection defense lawsuit?
What is considered a reasonable collection fee?
Can I counter sue a debt collector?
What is the Fair Debt Collection Practices Act (FDCPA)?
Can a debt collector contact third parties regarding my debt?
What type of debt is not subject to collection?
How can I protect myself from illegal collection practices?
What are the consequences of not paying a debt?
Can a debt collector obtain a judgment against me without my knowledge?
What happens if a debt collector violates my rights?

What can I do if I am being threatened by a debt collection agency?

Related FAQs

Related Blog Posts