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.

Related FAQs

What is credit repair law?
How can I protect myself from identity theft?
What are the laws governing credit repair?
How often should I check my credit report?
What is the process for repairing my credit score?
Can I repair my own credit without hiring a lawyer?
How can I request a copy of my credit report for free?
How do I know if I need credit repair law?
What is my consumer rights regarding credit reports and credit scores?
What can a credit repair lawyer do for me that I can’t do on my own?

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

Related FAQs

Related Blog Posts