San Diego Bankruptcy Lawyer Protecting Your Privacy – 888.875.9190
The Fair Debt Collection Practices Act (FDCPA) and the California Fair Debt Collection Practices Act (CFDCPA) both protect
you from illegal and unjustified forms of creditor harassment. This does
not mean that a crafty, desperate, or uninformed creditor or collection
agency will not violate the law in pursuit of your finances. If you have
been bothered by the actions of a debt collector or creditor and believe
you might be targeted by creditor harassment, it is time you stand up
for yourself and do something about it.
CFDCPA and other restrictions apply to the following groups and businesses:
- Professional collection agencies
- Creditors possessing an original debt
- Lawyers who represent collection agencies
- Any business that makes debt collection “tools”
Does the group that has been contacting you about your credit card debt,
mortgage, or other forms of owed finances fit into the aforementioned
list? San Diego Legal Pros and our San Diego bankruptcy attorneys are
here to shield your rights. We have a long history of helping our clients
find ways to stop creditor harassment and ultimately
discharge their debts.
Let us talk about your options together. Call 888.875.9190 for a
Prohibited Creditor Actions & Other Restrictions
Within the CFDCPA, there is a fairly extensive list of the activities that
creditors and debt collection agencies cannot do when trying to collect
on owed finances. If any of these restrictions are violated, it constitutes
illegal creditor harassment.
Some of the most important restrictions and regulations against creditor
Nonthreatening language: At no point can a creditor or debt collection agent use language that is
threatening, intimidating, or abrasive. This is one of the most common,
if not the most common, way a creditor will violate federal and state
laws. Be mindful of all communications, look for subtle threats, and provide
copies or transcripts to your lawyer.
Limited communications: Creditors have to get through several restrictions before reaching out
to contact you. In particular, the number of phone calls they can make
in a given period of time must not be in excess. Phone calls also cannot
be made outside of reasonable hours. If you ever get a call from a creditor
early in the morning, late at night, or directly to your workplace, tell
our attorneys right away.
Uphold privacy: Your private information must remain so while a collector is pursuing your
debts. Some creditors will post your name in public publications or call
your friends, family, and employer about your debt. This is not upholding
your privacy and is not to be tolerated.
Honesty: Whenever you are contacted by a collector, you must be told upfront who
they are, who they represent, and what debt they are attempting to collect.
Any misrepresentation or deceit can constitute creditor harassment.
Attorney representation: After you retain an attorney to handle your debt collection case, you can
instruct that legal professional to be the liaison between you and the
creditors. Once this link has been made, the creditors or collection agents
are not to speak to you; instead, communications should be sent to your
Our San Diego Debt Relief Lawyer Wants to Uphold Your Rights
At San Diego Legal Pros, we know it is important to protect you from degrading,
upsetting, and outright illegal behaviors often conducted by debt collection
agencies and creditors. No matter how far you are in debt, you do not
deserve to be mistreated. What is even worse is that creditor harassment
can negatively impact your career, put stress on your marriage, and generally
create the feeling that you have no privacy.
Our San Diego debt relief attorneys are here to remind you that you are
not alone in this struggle, and that you have your options to counteract
or correct it. If the breaches of your rights have been egregious, we
might even be able to help you create a lawsuit against the creditors
that could end in your compensation. We can also explore your
bankruptcy options and how an
automatic stay can stop creditors in their tracks.
Ready to begin?
Contact our office at your first opportunity.