Category Archives: Creditor Harassment
How to Remove a Collections Account from Your Credit Report After Seven Years
If you’ve had a debt in collections, you know how damaging it can be to your credit score and overall financial profile. But what happens when that debt is older than seven years? Can it still legally appear on your credit report? And if it does, how do you get it removed? The Fair… Read More »
How Long Does a Collections Account Stay on Your Credit Report?
Dealing with debt is stressful enough, but the lingering consequences of falling behind on payments can continue to affect you long after the bills have been turned over to collections. One of the most common questions people have when trying to repair their financial lives is how long a collections account will remain on… Read More »
Can a Debt Collector Call You at Work? Understanding Your Rights in California
Dealing with debt is stressful enough on its own, but when collectors start calling you at work, it can feel overwhelming and even humiliating. Constant phone interruptions not only distract you from your job but can also put your employment at risk. Fortunately, both federal and California laws set clear limits on when and… Read More »
Is Your Debt Collector Breaking the Law? How to Recognize Illegal Collection Tactics
When debt becomes overwhelming, many people already feel trapped and anxious. Unfortunately, some debt collectors take advantage of this vulnerability by using harassment and intimidation to pressure people into paying. While creditors and collection agencies have the right to seek repayment, federal and California laws strictly limit the tactics they can use. Recognizing the… Read More »
Creditors vs. Debt Buyers: Understanding the Difference and Why It Matters
If you’ve ever struggled with unpaid debts, you may have received collection calls or letters from unfamiliar companies, even though you never borrowed money directly from them. This confusing and often stressful situation arises because many debts are sold to third-party companies known as debt buyers. Understanding the difference between original creditors and debt… Read More »
Your Rights Under the Fair Debt Collection Practices Act (FDCPA) in Dealing with Creditor Harassment
Dealing with debt can be a stressful and challenging experience, but facing aggressive and relentless creditor harassment can make an already difficult situation feel unbearable. Fortunately, federal law provides significant protections for consumers who are struggling with debt, ensuring they are not subjected to abusive, deceptive, or unfair practices by debt collectors. One of… Read More »
California Rosenthal Fair Debt Collection Practices Act: Protecting Consumers from Debt Collection Harassment
The California Rosenthal Fair Debt Collection Practices Act (RFDCPA) offers powerful protections for consumers against abusive debt collection practices. While it mirrors many aspects of the federal Fair Debt Collection Practices Act (FDCPA), California’s law expands protections and holds both original creditors and third-party debt collectors accountable. The Los Angeles creditor harassment lawyers at… Read More »