What should I do if I’m being hounded by a debt collector?

If you’re being hounded by a debt collector in California, there are several steps you should take. First, understand your rights. Under California law, debt collectors must treat you fairly and be clear about the debt you owe. They also cannot threaten you with violence, use profane language or call you several times a day. Second, ask for proof that you owe the debt. The debt collector should provide you with documents that show your debt was assigned to them by the original creditor. Third, if the debt collector is still harassing you after you’ve asked them for proof, you can send a written letter to the collector telling them to stop contact you. You can also file a complaint with the Federal Trade Commission and your state’s attorney general office. Finally, if the debt is legitimate then make a payment plan with the debt collector. Most debt collectors will be more than willing to work with you and find an agreeable solution. It’s important to remember that under California law, a debt collector cannot harass you, but they can contact you about the debt. Taking these steps can help protect your rights and make sure that you’re treated fairly.

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What should I do if I’m being hounded by a debt collector?

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