Debt Collection Harassment
You have the right to stop debt collector telephone harassment.
State and Federal laws protect consumers against harassing debt collection practices. Even if you think you might owe the debt.
You can ask the collector to stop calling you verbally or in writing. If they continue to harass you, they may be violation the FDCPA (Fair Debt Collections Practice Act) and the California Rosenthal Act. Make sure you send any letter by Certified Mail as well as a copy for your records.
Types of harassment:
- Using profane language
- Refusing to tell you who they are when they call
- Threatening to have you arrested
- Calling you before 8am or after 9pm
- Calling at work after you tell them to stop
- Disclosing your debt to others
- Suing you on an account that is more than four years old in California
- Threatening to garnish your wages
- Contacting your neighbors and/or co-workers
- Using profane or abusive language
- Misrepresenting the amount of the debt
- Contacting family members