The California Fair Debt Collection Practices Act (FDCPA), also known as the Rosenthal Act and CAL. CIV. CODE § 1788.10, details what debt collectors are not allowed to do when it comes to collecting debt. If you are living in California and have been placed into collections, you need to know the following:


In attempt to collect debt, debt collectors shall not:

  • Use any profane or obscene language
  • Threaten you in any way, including but not limited to threats of physical harm, threats to your reputation or to your property, and threats of wage garnishment, criminal punishment (unless permitted by law) etc.
  • Falsely represent themselves as an attorney
  • Lie about who they are or what they do
  • Make phone calls to you without disclosing the name of the agency for which they are affiliated
  • Make phone calls continuously in efforts to annoy you
  • Call you at your workplace if you tell them not to
  • Attempt to collect on your debt even after they have received an affirmation that the debt has been discharged in bankruptcy
  • Send collection letters or noticed that falsely claim to be from a legal department

For more full and detailed information about California debt collection law, click here: Civil Code Section 1788.10-1788.18


Do you think a debt collector has violated California debt collection law in regards to your debt? If so, you most likely have a valid FDCPA/RFDCPA case against the collector and may be eligible for compensation! The process is simple: call our debt collection abuse attorneys at 949-200-8755; during our free consultation, we’ll assess your situation and take it from there — there are no upfront fees to you because our fees are paid by the debt collector when we win.