Lawyers Who Will Stop Collection Calls and Letters

Harassment and Abuse by Debt Collectors

Debt collectors and collection agencies call you betting you’re unaware of your rights and consumer protection laws. They could do unethical and illegal things to collect, including scaring you into being sued or with wage garnishments or criminal actions.

However, under consumer protection laws, there are things they can’t do to bother or threaten you. Creditors’ violations of these laws could also make you entitled to compensation.

If you’re being harassed by one, reach out to our team. We can give you the information you need and advise you on the legal options to take.

The Fair Debt Collection Practices Act

Under the FDCPA, there are certain dos and don’ts that debt collectors must follow, and these laws are even more strictly enforced in California.

Debt Collectors Must:

  • Tell you they are attempting to collect a debt
  • Tell you that any information you tell them will be used for the purpose of collecting your debt
  • Tell you their name and the name of the agency they work for
fm=f_j1ZbZwG

Debt Collectors Must Not:

  • Contact you at an unusual or inconvenient time or place, generally before 8:00 AM or after 7:00 PM, without your permission
  • Call you at work if they know that your boss does not allow debt collection calls at work
  • Contact third parties or someone else about your debt
  • Threaten to use violence or to harm you or another person’s reputation
  • Use obscene, profane, or abusive language
  • Publish your name as someone who doesn’t pay bills
  • List your debt for sale to the public
  • Call repeatedly within a short amount of time
  • Claim to be a law enforcement agency
  • Lie about the amount you owe
  • Claim to be an attorney
  • Threaten to do things that they don’t actually intend to do
  • Use a fake business name
  • Add fees and interests that weren’t allowed by the original agreement
fm=f_j1ZbZwG

Debt Collectors Must Not:

  • Contact you at an unusual or inconvenient time or place, generally before 8:00 AM or after 7:00 PM, without your permission
  • Call you at work if they know that your boss does not allow debt collection calls at work
  • Contact third parties or someone else about your debt
  • Threaten to use violence or to harm you or another person’s reputation
  • Use obscene, profane, or abusive language
  • Publish your name as someone who doesn’t pay bills
  • List your debt for sale to the public
  • Call repeatedly within a short amount of time
  • Claim to be a law enforcement agency
  • Lie about the amount you owe
  • Claim to be an attorney
  • Threaten to do things that they don’t actually intend to do
  • Use a fake business name
  • Add fees and interests that weren’t allowed by the original agreement

Another Option: Settle Your Debts For A Lower Amount

Debt Settlement and Reduction

Debt settlement can lower the total balance you owe on a particular debt, whether it’s a credit card bill, hospital bill, or loan. Our lawyers can help reduce your debt by pennies on the dollar until the account closes out and you no longer owe money on that debt.

Simplifying the Process

Having an attorney call your creditors to reduce your balances carries more weight than when non-lawyers, debt settlement companies, or consolidation companies do it. Once we get in touch with your creditors, we will start negotiating.

With each offer, our team will keep you informed and ensure it’s an affordable settlement. Once you agree, the deal is done, and you will no longer owe that debt. Here are a couple of things to keep in mind:

  1. Normally, you need to be behind on payments for a creditor to consider settling your debt for less.
  2. In most cases, the lender will want a lump sum payment for the reduced amount. You must make sure the funds are ready if you’d like to accept the offer we get you.
  3. Sometimes, part of the settlement will include the removal of the account from your credit report.
  4. Finally, there may be taxes due to the difference between the amount owed and the amount you settle for. We do not provide tax advice and suggest you speak to a tax professional before accepting a settlement.