How do I report a debt collector in violation of the Fair Debt Collection Practices Act (FDCPA)?
If you believe a debt collector is violating the Fair Debt Collection Practices Act (FDCPA) in California, reporting the violation is an important step in protecting your rights and ensuring the debt collector is held accountable. Step 1: Gather evidence. Collect any evidence or documentations that support your claim that the debt collector violated the FDCPA. This includes emails, letters, or other records of communication (like phone logs) between you and the collector. Step 2: Contact the regulator. File a complaint with the California Attorney General’s office. You may contact their office or file the complaint online. Step 3: Contact the Federal Trade Commission. FDCPA violations may also be reported to the Federal Trade Commission (FTC). You can submit a complaint online or call the FTC. Step 4: File a civil lawsuit. If the debt collector continues to violate FDCPA after the complaint is filed with the AG’s office and FTC, you can seek compensation through a civil lawsuit. A lawsuit must be filed in the state where you live or the state cited on the debt collector’s license. By reporting a debt collector who has violated the FDCPA, you can protect yourself, as well as other consumers, from unfair and deceptive practices.
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