While being in debt be stressful, it can get worse when you become delinquent and placed into collections. You may start receiving letters and then phone calls about your outstanding debt – this is common practice and procedure however you still have rights against any unscrupulous debt collectors who act outside the law.
You may have read through our website articles regarding what debt collectors cannot do — this includes, but is not limited to, calling you outside the hours of 8 A.M. and 9 P.M. your time (unless you agree to it), contacting third parties regarding your debt (e.g. calling your friends and family not your spouse), threatening or using profane language with you, calling you repeatedly or continuously, or demand more money that is actually owed, for example.
But did you know that debt collectors are obligated by law to do the following? Debt collectors must:
- Identify themselves as debt collectors
- Tell you the name and address of the original creditor
- Let you know that you have the right to dispute the debt, also known as the “30-Day Notice”
- Provide you with verification of the debt if you dispute the debt and request verification of it
Do you believe any debt collectors have violated your rights under the Fair Debt Collection Practices Act (FDCPA)? If so, you may be eligible to receive compensation under the FDCPA. If you want to learn more, please call my law office at 949-200-8755 for your free consultation – our FDCPA California attorneys are experienced in debt collection harassment cases.