Are there any guarantees when using debt relief law?

When using debt relief law in California, there are certain legal guarantees in place to protect individuals using the law. Under the Fair Debt Collection Practices Act, debt collectors must adhere to certain rules when communicating with debtors. They must provide accurate information about the debt and how to dispute it, they cannot call after certain hours, and they must cease contact after being asked to do so. Another guarantee offered to debtors in California is that creditors cannot threaten wage garnishment, make harassing phone calls, or file a civil lawsuit unless a court determines the debt is valid. Additionally, debt collectors cannot add fees to the debt without court approval and cannot sue a debtor on a debt older than four years old. Finally, California offers debtors the right to dispute any debt within 30 days of being contacted. If a debtor successfully disputes the debt, the creditor must investigate and verify the debt before they are able to take any legal action against the debtor. Overall, using debt relief law in California offers debtors certain legal guarantees and rights to protect them. Knowing these guarantees can help debtors make informed choices and ensure they are treated fairly by debt collectors.

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Are there any guarantees when using debt relief law?

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