What can I do if a debt collector violates the Fair Debt Collection Practices Act?

In California, debt collection practices are regulated by the federal Fair Debt Collection Practices Act (FDCPA). If a debt collector violates the FDCPA, you may have legal rights to seek compensation. The FDCPA specifies the methods debt collectors may use to contact consumers, such as limiting calls to specific times of the day, and prohibits them from using threats, intimidation, or other unfair practices. If you believe that a debt collector has violated the FDCPA, you have the right to file a complaint with the Federal Trade Commission (FTC). You should provide as much information as possible regarding the violation, such as detailed accounts of how the debt collector contacted you and what they said. You may also file a lawsuit against the debt collector in federal or state court. If the court finds that the debt collector violated the FDCPA, it may require the debt collector to pay you up to $1,000, plus attorney’s fees and court costs. You should be aware that if you file a lawsuit, the debt collector may countersue you for the debt. If you do not feel comfortable filing a complaint or lawsuit on your own, you may want to consider contacting an experienced consumer lawyer for help. A lawyer can advise you of your rights and help you take the necessary steps to protect them.

Related FAQs

Can a debt collector contact me on my cell phone?
What is debt collection law?
Can a debt collector contact me if I’ve declared bankruptcy?
Are there any laws that protect me from debt collectors?
Can a debt collector ever report negative information to credit bureaus?
Does the Fair Debt Collection Practices Act apply to all types of debt?
Are there any exemptions from the Fair Debt Collection Practices Act?
Can a debt collector ever take money out of my bank account without my permission?
What happens if I can’t pay a debt collector?
What should I do if I am being harassed by a debt collector?

What can I do if a debt collector violates the Fair Debt Collection Practices Act?

Related FAQs

Related Blog Posts