Fair Debt Collection Practices Act

Debt Collection Abuses in Cerritos

In the 1970s, the federal government passed the Fair Debt Collection Practices Act (FDCPA) to regulate the debt collection industry. The Act contains guidelines to prevent collection abuses and protect the rights of consumers. If you are receiving calls or letters from a debt collection agency, you should familiarize yourself with these statutes and take immediate action to report any violations by contacting a Cerritos debt negotiation attorney.

RJB Law Offices can help you end creditor harassment. We know that having financial problems can be extremely stressful and will take whatever steps are necessary to prevent debt collectors from worsening an already difficult situation.

Cerritos Debt Collection Abuse Attorney

When a creditor is unable to collect money that is owed to them, they may chose to sell the debt to a collection agency.

Debt collection companies must abide by various laws such as the FDCPA when contacting individuals that have defaulted on loans or other financial commitments, such as:

• Informing the debtor that they have a right to contest the debt
• Verify the debt if requested by the consumer
• Inform the consumer in all communications that they are a debt collector attempting to collect on a debt
• When requested by the consumer, provide the name and address of the creditor
• Not calling before 8 a.m. or after 9 p.m.
• Not using abusive or foul language

FDCPA statutes apply primarily to third-party companies involved in debt collection activities, not a creditor's own collection department. Attorney Ray Bulaon has extensive experience helping individuals with creditor problems and can provide competent legal counsel to end debt collection abuses. He is also a skilled bankruptcy lawyer who has assisted thousands of people suffering from a financial crisis in eliminating their debts and rebuilding their lives.