What should I do if I’m being harassed by debt collectors?

If you are being harassed by debt collectors in California, you have legal rights that you can use to protect yourself. The Fair Debt Collection Practices Act (FDCPA) is a federal law that prohibits debt collectors from using abusive practices to collect debts from consumers. The FDCPA prohibits debt collectors from making threats, using obscene language, or calling continuously and at odd hours. In addition, debt collectors are not allowed to make false or misleading statements about a debt. If you are being harassed by a debt collector, you can contact the Federal Trade Commission (FTC) to make a complaint. The FTC will investigate your claims and take appropriate action if needed. You can also sue the debt collector in state court for violating the FDCPA. In California, you also have rights under the Credit Repair Law. The Credit Repair Law is a state law that protects consumers from deceptive practices used to repair or improve their credit. If a debt collector is using deceptive or illegal practices to collect a debt, you can file a complaint with the California Department of Business Oversight or file a lawsuit against the debt collector. If you are being harassed by debt collectors in California, take the necessary steps to protect yourself and ensure that your rights are not violated. The FDCPA and Credit Repair Law provide you with legal protections, so make sure you use them if you are being harassed.

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What should I do if I’m being harassed by debt collectors?

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