Can debt relief law help me become debt free?

Yes, debt relief laws can help you become debt free. In California, the Fair Debt Collection Practices Act (FDCPA) provides protection from abusive debt collection practices, such as harassing phone calls, unfair fees and interest, and unfair collection tactics. Furthermore, the California Civil Code Section 1788.17 allows consumers to dispute inaccurate bills and to seek remedies for violations of the FDCPA. The federal Bankruptcy Code also provides consumers with the ability to seek relief from debt through filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy. The Bankruptcy Code provides debtors protection from creditor harassment and allows them to either discharge their debt or reorganize their debt into a manageable payment plan. Additionally, debt settlement services, such as debt consolidation and credit counseling, can help you become debt free. Debt consolidation companies allow you to combine multiple debts into one payment, while credit counseling services help you create a budget and a repayment plan that fits your debt profile. Finally, California residents can also use state programs, such as the California Debt Settlement Program, which offers free or low-cost debt settlement services to help you overcome debt. The California Debt Settlement Program provides consumers with the opportunity to negotiate with creditors and settle their debt while avoiding potential bankruptcy. Overall, debt relief laws can help you become debt free in California. If you meet the qualifications and have the right resources, you can use the FDCPA, Bankruptcy Code, debt consolidation services, credit counseling services, and state debt relief programs to manage and resolve your debt.

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Can debt relief law help me become debt free?

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