What should debtors do if they are being harassed by a debt collector?

Debtors in California who are being harassed by a debt collector should take steps to protect themselves. It is important for debtors to know their rights under the Fair Debt Collection Practices Act, which prohibits debt collectors from using abusive, unfair, or deceptive practices when trying to collect a debt. Debtors should document any harassing communication from debt collectors, such as phone calls, emails, and letters. This will be useful if they decide to take any further action or to file a complaint. Debtors should also keep track of any payments made, as well as any attempts to contact the debt collector. Debtors can file a complaint with the California Department of Consumer Affairs if they feel the harassment is illegal. The complaint should include the time and date of the incident, a detailed description of the behavior, and any supporting documents. The Department will investigate the complaint and determine whether the debt collector has violated any laws. Debtors should also consider hiring a lawyer to help them protect their rights and defend them in court if necessary. A lawyer can help debtors understand their legal options and advise them on the best course of action. In short, debtors should be aware of their rights and take steps to protect themselves if they are being harassed by a debt collector. They should document any harassing communication and file a complaint with the California Department of Consumer Affairs. If necessary, they should also consider hiring a lawyer.

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What should debtors do if they are being harassed by a debt collector?

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