What are my rights when dealing with a debt collector?

If you live in California, you have certain rights when dealing with debt collectors. A debt collector is anyone who regularly collects debts owed to another. This can include a collection agency, attorney, or other individual. The California Collection Defense Law protects you from unfair debt collection practices. According to the law, debt collectors must treat consumers fairly and honestly and must not use unfair practices. The law says that a debt collector cannot call you at inconvenient times such as before 8:00 a.m. or after 9:00 p.m. They must also cease contact if you ask them to in writing. They cannot contact your employer, family, or friends about the debt. If the debt collector is trying to collect on a debt that you know is not yours, you have the right to dispute it in writing. The debt collector must provide proof that the debt is yours before they can continue trying to collect from you. You also have the right to sue a debt collector in some cases. If the debt collector used unfair practices in trying to collect from you, such as harassing you or using threats, you can bring a lawsuit for damages. Finally, debt collectors must follow the rules set out in the California Collection Defense Law, or they could be subject to penalties. Knowing your rights can help you when dealing with debt collectors in California.

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What are my rights when dealing with a debt collector?

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