In California, debt collectors violate the FDCPA without repercussions.  Some of the most common violations that entitle you to money are listed below.  

A debt collector or creditor may not:

  • Contact you before 8:00 a.m. or after 9:00 p.m.
  • Contact you at work after you’ve told them you cannot take calls there
  • Contact you after you’ve asked them to stop (call us for more details)
  • Contact or speak to others about your debt (except your spouse)
  • Contact you or leave a message without identifying themselves or why they’re calling
  • Contact you to collect an invalid debt
  • Threaten you with violence or harm
  • Use obscenities, profane or abusive language, or shout or scream at you
  • Call repeatedly to annoy or harass
  • Misrepresent themselves as attorneys or government representatives
  • Make any false statements about your debt, including the amount owed or who it is owed to
  • Tell you that you will be arrested or go to jail if you don’t pay your debt
  • Threaten to take any legal action against you that they cannot legally take or intend to do – including filing a lawsuit, seizing or putting liens against your property, or garnishing your wages  (a debt collector must first sue you and obtain a judgment from the court before they can do these things)
  • Report or give false credit information about you
  • Ask you to pay more than you owe or the wrong amount