Debt Collection Information and Legal Assistance for Consumers in Los Angeles and California. Call (310) 943-1171 or fill out the following contact form.
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Are You Being Harassed by Debt Collectors?
Have you been getting harassed by debt collectors? Do you feel like debt collectors have crossed the line and harassed you while attempting to collect a debt? Are you constantly being contacted at inconvenient times for a debt collection? Have they been contacting you at your workplace? There are certain laws and regulations that limit the actions or debt collectors.
No need to face debt collection harassment on your own. Our attorneys at KAAASS Law can provide you with the legal assistance that you need in order to make sure that debt collection agencies aren’t breaking the law and violating your rights. We will take any legal action necessary in order to make sure you don’t get harassed for debt collections without someone being held responsible.
Below we will go over some laws that limit the actions of debt collectors.
Laws That Limit the Actions of Debt Collectors
Fair Debt Collection Practices Act (FDCPA) Information
The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits certain actions of debt collectors and it restricts the methods that debt collectors may contact you. Some types of limits set forth by this law include the time of day and the number of times that a collector is legally permitted to contact you.
Some Things That Debt Collectors May NOT Do According to the FDCPA:
- Debt collectors may NOT contact you before 8:00 a.m. or after 9:00 p.m.
- Debt collectors may NOT leave you a message without identifying who they are and the reason they’re calling
- Debt collectors may NOT contact you at work after you have told them that you can’t speak on the phone at work
- Debt collectors may NOT contact anyone else or speak to anyone else about your debt other than your spouse
- Debt collectors may NOT speak abusively with you, including cursing and screaming at you.
- Debt collectors may NOT repeatedly call you to purposely make you annoyed
- Debt collectors may NOT make any false statements about your debt, including the amount owed or who it is owed to
- Debt collectors may NOT tell you that you will be arrested or go to jail if you don’t pay your debt
- Debt collectors may NOT report false credit information about you
What Are the Consequences for Violating the FDCPA?
If the FDCPA is violated, a lawsuit may be filed against the collection company as well as the individual debt collector. The plaintiff may be compensated for damages and attorneys fees, at the cost of the defendant(s).
Now that we have went over some information about the FDCPA, we will move on and go over some information about the FCRA below.
Fair Credit Reporting Act (FCRA) Information
The Fair Credit Reporting Act (FCRA) is a federal law that was passed in 1970 which is involved with regulating the collection of credit information and consumer rights for credit reports.
Some intended purposes of this law were to address privacy, fairness, and accuracy of personal information contained in files of credit reporting agencies.
FCRA Regulations Involved With Collection of Consumer Credit Information
Some of the things covered by the FCRA related to collection of consumer credit information includes how a consumer’s information is obtained, how long the information is kept, and who the information is shared with.
The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection of consumers’ credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.
FRCA Consumer Credit Report Rights
By law, consumers are entitled to one free credit report every 12 months from each of the three major bureaus. You can request your credit report at the official government authorized website at AnnualCreditReport.com.
Summary of Your Rights Provided by the FCRA
- You have the right to know what is in your file.
- You must be told if information in your file has been used against you.
- You have the right to ask for a credit score.
- You have the right to dispute incomplete or inaccurate information.
- Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
- Consumer reporting agencies may not report outdated negative information.
- You must give your consent for reports to be provided to employers.
- You may seek damages from violators.
- Identity theft victims and active duty military personnel have additional rights.
In case the credit bureau fails to respond to your request within a certain reasonable time, you can file a complaint with the Federal Consumer Financial Protection Bureau.
Receive Our Legal Assistance with Debt Collections Now!
Preserving the Rights of Consumers From Debt Collectors
You don’t need to go through the process of trying to save your debt on your own. Our lawyers at KAASS Law can help you out with the entire process with any legal assistance that your situation requires.
There is no up front or our of pocket cost for getting in touch with us! Give us a call anytime at (310) 943-1171 to discuss the details of your situation.
Our Glendale Headquarters:
Address: 815 E. Colorado #220, Glendale, CA 91205
Phone: (310) 943-1171
Our Los Angeles Branch:
Address: 633 W 5th St 26th Floor, Los Angeles, CA 90071
Phone: (310) 943-1173