You are protected from creditor harassment by both state and federal law. Creditors have many restrictions about what they can and cannot do or say. The Fair Debt Collection Practices Act outlines the rules for creditors, and if violated, the collection agency or other entity may be forced to pay damages to the consumer. California State also has a Fair Debt Collection Practices Act. If you believe that a creditor has violated your rights, we urge you to contact us at The Fuller Law Firm, PC. Our San Jose bankruptcy attorneys should review your case at once.
You cannot be contacted at certain times or places: for example, you cannot be called before 8 a.m. or after 9 p.m. If you ask a creditor not to call you at work, they must stop immediately. Your request can be verbally or in writing. You can also stop a debt collector from calling you by sending a certified letter. You can also halt contact from creditors by having an attorney represent you. Once an attorney takes on the duty of managing your debt, the collector can no longer contact you.
A debt collector cannot talk to any other person about your debt, including your family, friends, employer or anyone, except your spouse. They can contact certain people to try to find your address or, and usually can only do so one time.
They are also restricted from engaging in the following actions:
If you believe you are being harassed, and that the collector is engaging in illegal actions, a lawsuit can be filed against that company, and you could be paid damages, as well as all of your attorney fees. Call our firm for a free consultation to find out more.