You Have Rights That Protect You From Harassing Creditors and Debt Collectors
It's not an unusual scenario: A creditor or debt collector calls you again and again, often alluding to bad things that might happen if you do not pay. At the Law Office of Paul Mankin, we often represent people in San Diego, Los Angeles, and other parts of California who have been harassed in this way by debt collectors, sometimes for debts that are not even theirs.
Fortunately, there is a federal law, The Fair Debt Collection Practices Act or FDCPA, and a California law, referred to as The Rosenthal Fair Debt Collections Practices Act or RFDCPA that protects consumers from illegal collection tactics and harassing debt collectors or creditors.
Use the FDCPA and RFDCPA to fight back against abusive corporations. Here are some common violations of debt collectors commit in San Diego and throughout California:
Have you received calls from a debt collector or creditor at your place of work/employment?
Has a debt collector or creditor attempted to collect a debt that you already paid?
Has a debt collector or creditor threatened you with a lawsuit if you did not pay?
Has a debt collector or creditor threatened you with hurting your credit if you did not pay?
Has a debt collector or creditor threatened you with wage garnishment?
Has a debt collector or creditor threatened you with taking money out of your bank account?
Has a debt collector or creditor called your family, friends, or references without your permission?
Has a debt collector or creditor disclosed or revealed personal information about you or your debts to other people?
Has a debt collector or creditor continued to call you or speak to you after you informed them you had an attorney?
Has a debt collector or creditor been verbally abusive to you?
Has a debt collector or creditor ever used profane language during a phone call with you?
Has a debt collector or creditor ever insulted you while attempting to collect money from you?
Have you ever received a postcard from a creditor or debt collector trying to collect money from you?
Have you ever sent a debt collector or creditor a letter demanding it stop contacting you but the debt collector or creditor continues to contact you?
Has a debt collector or creditor ever attempted to collect an old debt from you?
Has a debt collector or creditor tried to collect a debt that was eliminated in bankruptcy?
We Make Harassing Debt Collectors Pay You
If a debt collector violates the FDCPA or RFDCPA, you could be compensated by the collection agency or creditor up to $1,000.
What does this mean for you? It means that we will make the debtor collector or creditor stop calling and harassing you, and if we win your case, the debt collector or creditor will have to pay YOU money.
Who Do We Represent?
We only represent consumers like yourself against debt collectors and creditors. We do not represent corporations EVER! Most of our debt harassment clients live in San Diego, Los Angeles, and San Francisco, but we will represent clients all over California.
What Type of Debt Do I Have To Have?
We represent consumers being harassed by with all types of different debts. Credit Card debt is probably the most common, but we also assist consumers with car loans, student loans, payday loans, medical debts, car title loans, and home loans.
How Much Does It Cost To Hire Us?
It does not cost you anything to hire me to help you with your case. I advance all the costs and provide my labor upfront at no cost to you. I don't get paid unless we win your case. If we win your case, the debt collector or creditor must pay my fees and the costs under the law. If we don't win your case, you don't have to pay any of my fees or costs.
What To Expect When You Work With Us
When you work with us, you can expect a legal team that fights hard for you. We help consumers stop debt collectors in San Diego, Los Angeles, and in all the other California cities. You can expect an attorney who talks with you in straightforward ways about your rights. You'll never be overwhelmed by legal jargon or court procedures that you just don't understand.
Instead, you will work closely with one of our experienced lawyers from the moment we take your case until the matter is resolved. We are genuinely concerned for your well-being and want to make sure that the creditors or debt collectors who harass you are immediately stopped.