As a consumer you have certain rights under Federal and California State law which protect you from harassment and false statements. For instance debt collectors cannot:
• Threaten lawsuits that they do not intend to file, garnishments that they are not entitled to, liens that they are not entitled to, or arrest for not paying a bill
• Call your family, friends, neighbors or employers to collect a debt
• Leave abusive phone messages
• Insult, yell or use obscene or profane language
• Call your workplace after telling the collector not to call you there
• Give false credit information about you to anyone, including a credit reporting company
• Try to collect any interest, fee, or other charge on top of the amount you owe unless it is permitted by the contract that created your debt or by California law
• Misrepresent the amount you owe
• Lie, threaten, or otherwise harass you in any way.
The Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection
Practices Act (RFDCPA) are laws set in place to protect consumers from unlawful collection
practices. Debt collectors that violate these laws may be liable for monetary damages, including
statutory and actual damages under both statutes. You also have the right to request that debt
collectors stop contacting you by telephone. Let a consumer protection attorney help you today.
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