Stop Creditor Harassment in California
If a creditor sends your account to a collections agency, it seems like debt collectors will do anything to get you to make a payment. They'll use harassment and intimidation to bend you to their will, even if that means breaking the law.
You don’t have to tolerate their bullying! It’s time to put your foot down and call or text DebtStoppers today at 323-916-8660 to schedule a free debt relief consultation with one of our experienced California lawyers. Let our qualified legal team show you how bankruptcy laws can empower you to make a stand against creditor harassment.
What Are California’s Creditor Harassment Laws?
Federal consumer protection laws like the Fair Debt Collection Practices Act (FDCPA) prohibit collectors from engaging in unfair and abusive practices, such as making threats or harassing debtors.
Some of the activities the FDCPA prohibits include:
- Harming or threatening to harm debtors or their family
- Using profanity or other offensive language
- Announcing debts in public or private
- Making empty threats of lawsuits or arrests
- Making repetitive phone calls meant to annoy or harass debtors
- Calling after 9 p.m. or before 8 a.m.
California Debt Collector Laws
In addition to the protections created by the FDCPA, California has passed its own lawa to prevent harassment: the Rosenthal Fair Debt Collection Practices Act. While the FDCPA only applies to collection agencies, California laws require other types of creditors to follow the rules as well.
California’s Rosenthal Act applies to:
- Original creditors
- Collection agencies
- Anyone who collects consumer debts as part of their regular business, including attorneys
- Anyone who makes and sells collection media like letters and forms for debt collectors
Even though abusive collection tactics are illegal, many creditors still rely on harassment to beat you into submission. Enduring this constant bullying can make you feel like you’re totally helpless.
But no matter how you feel, you aren’t helpless at all! You don't have to suffer this abuse, and you have the power to end it. Let DebtStoppers help you use the legal rights bankruptcy laws give you to put collectors in their place.
We Can Help You Avoid Creditor Harassment
When your lawyer submits your bankruptcy petition, the court immediately issues an automatic stay that orders creditors and debt collectors to stop any and all collection activities. They won’t even be allowed to call you, so you can finally get relief from the persistent phone calls and intimidation.
Some creditors might ignore the automatic stay and continue to bully you. In these situations, DebtStoppers can — and often will — take them to court at our own cost to hold them accountable for their violations. We are dedicated to freeing our clients from creditor harassment.
Our knowledgeable lawyers can explain how the power granted by bankruptcy laws lets you stop the intimidation and get a new start. Call or text DebtStoppers today at 323-916-8660 to schedule a no-obligation financial evaluation session with one of our qualified California attorneys.
California bankruptcy laws can empower you to put an end to creditor bullying, once and for all. Call or text DebtStoppers in Los Angeles, California, today at 323-916-8660. We can make the harassment stop!