California FDCPA Attorney

Debt Collection Defense Attorneys in California

With the implementation of the Fair Debt Settlement Practices Act (FDSPA) in 2021, California has taken significant steps to protect consumers engaged in debt settlement. 

In addition to the federal Fair Debt Collection Practices Act (FDCPA), California’s debt laws target the practices of debt settlement companies, ensuring fair and transparent dealings for Californians struggling with debt.

The debt collection defense attorneys at Kazerouni Law Group, concentrate on helping Californians get justice and compensation when federal or state debt collection laws are violated. 

When you’ve been affected by unfair debt collection and settlement practices, contact a California FDCPA attorney at the Kazerouni Law Group to find out how you can get help today. 

Call 800-400-6808 or contact our debt collection defense attorneys online for your free consultation. When you are dealing with third-party debt collectors or debt settlement companies, our goal is to provide professional legal representation and protect your rights under both state and federal laws.

Why Hire Kazerouni Law Group for Your Debt Collection Defense Case?

California FDCPA Attorney

Kazerouni Law Group stands out as a formidable ally for people in California dealing with unfair debt collection practices. 

Success in FDCPA cases often hinges on a lawyer’s ability to meticulously analyze communication records, understand the subtleties of consumer rights, and present a compelling argument. 

The following 7 reasons are why we’ve been chosen to represent and protect people from violators of debt collection laws.

  1. Proven Track Record of Significant Recoveries: Kazerouni Law Group has achieved impressive results, recovering over $1 billion for clients nationwide across various cases. This substantial figure reflects our dedication and ability to secure favorable outcomes for our clients. While this includes all case types, it underscores our commitment to client success.
  2. Focused on California FDCPA Cases: Our team concentrates on fair debt collection practices and consumer protection cases. We possess a deep understanding of California’s laws and regulations regarding debt collection. Our proficiency in this area allows us to provide clients with the focused and knowledgeable representation they need. 
  3. Customized Legal Strategies: Recognizing the uniqueness of each case, we tailor our legal strategies to meet the specific needs of our clients. We are adept at analyzing intricate case details, ensuring that every client’s situation is addressed with the utmost care and precision.
  4. Commitment to Client Empowerment and Transparency: At Kazerouni Law Group, we believe in keeping our clients informed and involved. We prioritize clear communication and transparency throughout the legal process, empowering our clients with the knowledge and understanding of their rights under California and federal laws.
  5. Unyielding Advocacy Against Unfair Practices: Our attorneys are committed to vigorously defending our clients against unlawful debt collection tactics. We are dedicated to holding debt collectors accountable for any violations of the California FDCPA, ensuring justice is served.
  6. Client-Centric Approach: Our focus extends beyond legal victories; we aim to provide peace of mind and a sense of justice to our clients. The numerous testimonials and referrals we receive are a testament to the positive impact we’ve made in the lives of those we’ve represented.
  7. Accessible Legal Support: Kazerouni Law Group offers free consultations, making it easy for potential clients to start their journey towards resolving debt collection disputes. Our approachable team ensures that you have access to legal support when you need it the most.

By choosing Kazerouni Law Group for your debt collection case, you’re not just hiring a law firm; you’re partnering with a debt collection defense attorney in California who is deeply committed to protecting your rights and securing the justice you deserve.

What Are California’s Debt Collection Laws?

The Difference Between Federal and State Debt Collection Protections

California’s Debt Collection Laws

California’s approach to debt collection provides stronger protections for consumers. 

These laws include the Rosenthal Fair Debt Collection Practices Act and the more recent Fair Debt Settlement Practices Act (FDSPA). 

While the federal Fair Debt Collection Practices Act (FDCPA) sets the baseline for debt collection practices nationwide, California’s laws expand these protections.

Federal FDCPA

  • Scope. The federal FDCPA primarily targets third-party debt collectors. It sets guidelines to prevent abusive, deceptive, and unfair collection practices.
  • Limitations. It does not usually apply to original creditors (e.g., credit card companies, and banks) who are attempting to collect their debts.

California’s Rosenthal Act

  • Extended Protections. The Rosenthal Act mirrors the federal FDCPA and extends its protections to include original creditors in California.
  • Additional Violation Recourses. It makes almost all violations of the federal FDCPA also violations under California law, enhancing consumer protection.

California’s Fair Debt Settlement Practices Act (FDSPA)

  • Targeted at Debt Settlement Companies: This act specifically regulates debt settlement companies, distinct from debt collectors. It mandates comprehensive disclosures about services, prohibits deceptive practices, and disallows fees until a settlement is reached and payment is made.
  • Consumer Empowerment: The FDSPA also includes a three-day cooling-off period for consumers and a private right of action, allowing consumers to take legal action against debt settlement companies that violate the act.

These laws reflect California’s commitment to providing its residents with robust consumer protection in the context of debt collection and settlement. 

With the help of a debt collection defense lawyer, Californians can better understand their rights and options when dealing with debt-related issues.

The Kazerouni Law Group is adept at identifying instances where debt collectors may have overstepped legal boundaries and are committed to holding them accountable. 

Our clients benefit from our thorough, detail-oriented strategies, tailored to address each unique case we undertake. Contact a California debt defense attorney by calling 800-400-6808 for a free consultation today. 

How Much Can I Sue a Debt Collector for Violating My Rights in California?

Under California law, particularly the Fair Debt Settlement Practices Act (FDSPA), consumers have the right to take legal action against debt collectors who violate their rights.

The FDSPA outlines specific penalties and remedies in cases of such violations. Here’s an overview of what you can potentially sue for:

  • Statutory Damages. The FDSPA allows for statutory damages in cases where a debt settlement provider violates its provisions. The court can award statutory damages ranging from a minimum of $1,000 to a maximum of $5,000 per violation. This amount is determined by the court based on the nature and severity of the violation.
  • Actual Damages. In addition to statutory damages, you may also be entitled to recover any actual damages you’ve sustained as a result of the violation. This could include compensation for financial losses, emotional distress, and other harms directly resulting from the unlawful practices of the debt collector.
  • Injunctive Relief. The court may also grant injunctive relief, which is a court order that requires the debt collector to stop certain behaviors or take specific actions to rectify their unlawful practices.
  • Attorney’s Fees and Costs. If your lawsuit is successful, the FDSPA mandates that the court award you the costs of the action, along with reasonable attorney’s fees. This provision helps to reduce the financial burden on consumers who take legal action against debt collectors.
  • Limitation in Case of Non-Good Faith Litigation. If the court finds that your lawsuit was not pursued in good faith, it may award reasonable attorney’s fees to the prevailing debt settlement provider or payment processor.
  • Liability Limitations. The FDSPA provides that a debt settlement provider or payment processor may not be held civilly liable for damages if they can demonstrate that the violation was unintentional and resulted from a bona fide error, despite having procedures in place to avoid such errors.
  • Time Limit to Sue: You have a four-year window to bring a lawsuit, starting either from the last payment made by or on behalf of the consumer or from the date when the consumer discovered or should have discovered the facts giving rise to the claim.

The specific amount you can sue for depends on your case and its unique circumstances. For specific legal advice tailored to your situation, consult our qualified debt collection defense lawyers by calling 800-400-6808.

Get in Touch With Kazerouni Law Group’s FDCPA Debt Defense Attorneys

If you’re feeling overwhelmed by aggressive debt collectors and unethical tactics from collection agencies, know that Kazerouni Law Group is here to support you and get compensation from violators of California and federal debt collection laws. 

We are prepared to take on debt collectors who harass and mislead the citizens of California. If you have been sued by a debt collector, we have the necessary tools to safeguard your rights, provide legal advice, and represent you against your adversaries. 

For a no-charge consultation to see how Kazerouni Law Group can help you, give us a call at 800-400-6808 or contact a consumer protection lawyer in California. Let’s discuss your situation and explore how we can work together.

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