The Manning Law Office files claims against abusive debt collectors for consumers with the help of the California Fair Debt Collection Practices Act (“FDCPA”) (15 U.S.C. §1692 et seq.) and Rosenthal Fair Debt Collection Practices Act (“RFDCPA”) (Cal. Civ. Code §1788 et seq.). These debt collections laws were created for the purpose of eliminating abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information’s accuracy.

Under these debt collection laws, debt collectors are required to respect the personal dignity and consumer rights of the consumer. If a debt collector has violated your rights, you could be entitled to up to $1000 in damages as a penalty to the collector, plus payment of your attorneys’ fees!   Note the following lawsuits filed in the Central District of California:

On September 22, 2009, the collections abuse victim filed suit against PN FINANCIAL for violations of the Fair Debt Collection Practices Act (“FDCPA”) and the Rosenthal Fair Debt Collection Practices Act (“RFDCPA”). The collections abuse victim claimed that PN FINANCIAL violated the FDCPA and RFDCPA by constantly and continuously placing collection calls to the collector abuse victim, with such frequency that was unreasonable and constituted harassment, seeking and demanding payment for an alleged debt, and by:

(i)                  Engaging in conduct of which the natural result is the abuse and harassment of the victim;

(ii)                Causing a telephone to ring repeatedly and continuously with the intent to annoy, abuse, and harass the victim;

(iii)               Falsely representing itself to be a law office;

(iv)              Falsely threatening the victim with legal action by informing the victim that action would taken in the “Courts” and that he had a “Docket Number;

(v)                Failing to inform the victim in each subsequent communication that PN FINANCIAL was a debt collector; and

(vi)              Engaging in false and deceptive practices.

The experienced debt collection harassment attorneys Orange County at The Manning Law Office defend you against the illegal debt collector behavior alleged in this FDCPA lawsuit under the Federal Debt Collection Practices Act and Rosenthal Act. The collections abuse victim in this case should receive monetary damages and payment of attorneys’ fees and costs, once the evidence is marshaled. Call us today, to sue the collector that is harassing you – please note: the statute of limitations on this type of case is ONE YEAR!