Understand Debtors' Rights
Fair Debt Collection Practices Act (FDCPA) ▪ Fair Credit Reporting Act
Stop harassment by creditors, and inaccurate credit reports by taking advantage of two federal debtor's rights acts. If you suffer from bad credit and have fallen behind in your bills, do not let creditors harass you. Under the Federal Fair Debt Collection Practices Act and Fair Credit Reporting Act, you have certain rights as a debtor. Speak to me, Richard Stevenson, at the San Diego Law Office of Richard Stevenson to find out more about debtors' rights. I represent residents of the San Diego County cities of Chula Vista, Oceanside, El Cajon, La Mesa, and Spring Valley.
Under federal law, you have debtor's rights under these two acts:
Fair Debt Collection Practices Act: (FDCPA) Under this federal act, debt collectors are prohibited from harassing you while attempting to collect debts. If they fail to disclose the purpose of their communication to you, repeatedly call you, contact your employer, call your neighbors or relatives, or use threatening or obscene language when calling, they may be liable to pay statutory damages, actual damages and your attorneys' fees. In addition, if you send them a written request to stop calling or writing you, they must follow your request.
Examples of acts that violate the Fair Debt Collection Practices Act include:
- Calls to your workplace if the debt collector knows your employer prohibits personal calls;
- Calling your friends or relatives for any reason other than to ask how to locate you;
- Overly frequent calls at home;
- Calls at inappropriate times; and
- Mailings not disclosing their purpose of debt collection.
Fair Credit Reporting Act: If your credit report contains inaccurate or false information, request that the credit-reporting agency prove the accuracy of such information. When denied a loan or other financing, examine your credit report. We can help to determine if the Fair Credit Reporting Act provides a remedy.
Protect and your repair your credit by contacting debtor rights lawyer Richard Stevenson. If your wages have been garnished, we will petition the court to reduce the amount withheld from your paycheck.
Call Richard Stevenson of the San Diego Law Office of Richard Stevenson at (866) 587-7260 (Toll Free). Submit your contact information and questions about Chapter 7 and Chapter 13 bankruptcy law by completing the attached contact us form.
The San Diego, California, Law Office of Richard Stevenson represents people residing in the San Diego County cities of Chula Vista, Escondido, Oceanside, El Cajon, Carlsbad, La Mesa, National City, Encinitas, Poway, Lemon Grove, Spring Valley, and Coronado.
