Protecting Your Rights Against Aggressive Debt Collectors
Debt collection can be stressful enough without the added pressure of harassment from collectors. Both federal and California laws protect consumers from unfair and abusive debt collection practices. At the Law Office of Ali Fesh, we are committed to standing up for your rights, putting a stop to illegal collection tactics, and holding debt collectors accountable.
Understanding Your Rights
Under the Fair Debt Collection Practices Act (FDCPA) and the California Rosenthal Fair Debt Collection Practices Act (RFDCPA), debt collectors are prohibited from engaging in abusive, deceptive, or unfair practices when collecting a debt. These laws protect you from tactics such as:
- Harassing phone calls, including calls made repeatedly or at inconvenient times.
- Using profane or abusive language.
- Misrepresenting the amount you owe or the legal status of your debt.
- Contacting you after being asked to stop.
- Sharing your debt information with unauthorized third parties.
How We Can Help
If you’re experiencing harassment from debt collectors, you have the right to take legal action. Our firm can:
- Stop harassing communications immediately by notifying the collector on your behalf.
- File lawsuits against collectors who violate your rights under the FDCPA or RFDCPA.
- Seek damages for emotional distress, statutory damages, and attorney’s fees.
- Negotiate settlements or defend you in court if necessary.
What Are Your Legal Options?
Under the FDCPA, you can recover up to $1,000 in statutory damages per lawsuit, plus any actual damages caused by the harassment, such as emotional distress. The RFDCPA provides additional protections for California residents and may allow for even higher damages. Debt collectors who violate these laws can also be required to pay your attorney’s fees and court costs.
Take Back Control
You don’t have to tolerate harassment from debt collectors. If you’ve been subjected to aggressive or illegal collection tactics, contact us today for a free consultation. We’ll help you understand your options and take swift action to protect your rights.
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