Are there any laws that protect me from debt collectors?

In California, there are laws that protect consumers from debt collectors and harassment. The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unfair and abusive debt collection practices. This law applies to all forms of debt collection, including credit cards, medical bills, mortgages, and auto loans. The California Fair Debt Collection Practices Act (CFDCPA) is a state law that provides additional protections beyond the FDCPA. It provides additional protections such as not allowing debt collectors to contact you at unreasonable hours, notifying creditors of an attorney’s involvement, and prohibiting threats or deceptive practices. The California Consumer Financial Protection Law (CCFPL) is a state law that establishes additional protections for consumers against unfair, deceptive, or abusive debt collection practices. This law makes it illegal for debt collectors to violate certain rights, such as making false or misleading statements about the amount of a debt, not telling the consumer their rights under the law, calling the consumer repeatedly or continuously, or contacting the consumer at work. In summary, both federal and state laws provide consumers with significant legal protection from debt collectors. If you believe that a debt collector has violated your rights, you can report them to the appropriate state and/or federal authority.

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Are there any laws that protect me from debt collectors?

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