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Debt collectors may collect interest, fees, charges, or other expenses to your debt only if they are expressly authorized by the agreement creating the debt or are otherwise permitted by law. If you ask, the debt collector must tell you how much it is charging you and why.
The Department of Financial Protection and Innovation (DFPI) provides licensure, regulation, and oversight of California debt collection practices under the California Consumer Financial Protection Law, 2021 (CCFPL) and the Debt Collection Licensing Act, 2022 (DCLA).
The Fair Debt Collection Practices Act (FDCPA) (15 U.S.C. §§ 1692 and following (2024)) is a federal law that governs how debt collectors may try to get you to pay a debt. Those living in California are also protected by the Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code §§ 1788 to 1788.33 (2024)), which covers more types of ...
Learn how debt collection laws both federally and in California work and how they provide protection from debt collectors when you need it most.
If you are late making payments on a loan, a credit card, or other bills, you may be contacted by a debt collector. To collect a debt, they can call and email consumers, but they are restricted from engaging in unfair, unlawful, deceptive, or abusive acts or practices.
Thanks to laws enacted in California and nationwide, there are rules that debt collectors and buyers must abide by. In addition, these laws establish rights for consumers that these companies cannot violate. Here are some of the rights you have as a consumer.
California has two important laws — the Rosenthal Act and the Debt Collection Licensing Act — that protect California residents against original creditor and third-party debt collector harassment and abuse.
Negotiating with a debt collector may mean that you offer to pay a portion of the debt you owe rather than the full amount. There are several situations where this may be a good option for the debt collector if they can get some of the money back and not have to pay court costs.
Debt collection defense. Get step-by-step instructions, forms, and information if you are sued or might be sued for a debt, like credit card or medical debt.
The primary collection law in California is the California Fair Debt Collection Practices Act. This mandates that debt collectors and creditors are required to treat people due for collections in a fair manner.