What can I do if I am the victim of illegal debt collection practices?
If you are the victim of illegal debt collection practices in California, there are several options you can take to protect yourself from further abuse. First of all, it is important to understand your rights. All individuals in California are legally protected from debt collection abuse by the Collection Defense Law, which prohibits harassment and deceptive practices. If you believe a debt collector has violated the law, you can file a complaint with the California Department of Business Oversight. You can also contact a consumer attorney to discuss your legal options. You can also take direct action against an illegal debt collector. You can request that the debt collector cease contact and/or dispute the debt with the collector in writing. If the debt collector continues to contact you, you can take them to court and sue for damages, including court costs, attorney fees, and the cost of any distress caused. It is important to remember to document any and all interactions with the debt collector, including phone calls, letter communications, and any other attempts to contact you. This evidence can be used to prove that a debt collector violated the law. Finally, it is important to seek legal help if you feel the debt collector is continuing to harass or threaten you. With the help of a qualified lawyer, you can fight back against illegal debt collector practices and prevent them from continuing.
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