San Diego FDCPA Lawyer

Why Choose Our San Diego FDCPA Lawyers?

The Fair Debt Collection Practices Act (FDCPA) governs the actions of debt collectors and ensures fair treatment of consumers. Select the right attorney to maximize compensation for taking your valuable time and disrupting your finances and reputation.

When you enlist the Kazerouni Law Group for your FDCPA case, you’ll get:

Nationwide FDCPA Experience: Our team of skilled lawyers fights harassing debt collectors nationwide. We understand state and federal regulations governing telephone communication practices and have the experience, capabilities, and resources to provide legal representation that gets you what you deserve.

Demonstrated Track Record: We’re not in the business of making empty pledges; we’re in the business of delivering results that can change your life. Our track record of successfully obtaining more than $1 billion in compensation for our clients demonstrates our unwavering commitment to defending the rights of individuals across the entire United States.

We’re here to shield them from spammers, scammers, and businesses disregarding FDCPA regulations and their rights.

Kazerouni Law Group has a distinguished history of achieving substantial settlements in debt collection violation cases, including a recent victory of $18 million against Portfolio Recovery Associates in a TCPA class action lawsuit.

We have also prevailed in numerous high-profile text message cases and violations involving big corporations and collection agencies throughout the United States.

Personalized Approach with Free Evaluations: We understand that every case is like a rare gem, deserving of its own spotlight. We’re not about one-size-fits-all solutions but about crafting tailored client experiences.

You hold the key to your own destiny, and we’re here to help you unlock it. Our gift to you? A complimentary case evaluation with our seasoned team of professionals.

We’ll delve into the depths of your unique situation, shedding light on the strengths of your FDCPA case. This isn’t just a meeting; it’s a revelation, an opportunity for you to make empowered decisions about pursuing legal action. The best part? You don’t need to open your wallet for this initial step.

Your journey towards justice begins here, where personal attention meets professional guidance. Let’s embark on this exciting adventure together to uncover the right path for you.

Knowledge of FDCPA Changes: Our legal team possesses a deep and comprehensive understanding of the FDCPA, and we are dedicated to staying ahead of the curve by actively keeping tabs on any shifts or advancements in the field. This proactive approach ensures our clients have the most up-to-date and efficient legal tactics.

For a free consultation, contact our FDCPA attorneys and discover how we take legal action against companies responsible for harassing phone calls. Contact us today.

Give us a call today to discover what makes Kazerouni Law Group different – your trusted partner in the fight against intrusive and illegal phone calls.

We offer an easy-to-find San Diego location at 2221 Camino del Rio South, Suite 101, in San Diego. It’s not far from the Scottish Rite Center of San Diego.

What Is the FDCPA and What Does it Do?

The FDCPA, or Fair Debt Collection Practices Act, is a federal law in the United States that governs the behavior of third-party debt collectors attempting to collect debts on behalf of creditors.

Enacted in 1977, the FDCPA protects consumers from abusive, deceptive, and unfair debt collection practices.

Here are some key provisions and functions of the FDCPA:

• Prohibits Harassment and Abuse: The FDCPA prohibits debt collectors from engaging in harassment, abuse, or unfair practices when attempting to collect a debt, including threats, intimidation, profane language, and continuous or excessive communication.
• Requires Honest and Transparent Communication: Debt collectors must provide accurate and truthful information about the debt, including its amount, the creditor, and the consumer’s rights. They cannot misrepresent themselves or use deceptive tactics to collect debt.
• Limits Communication: The FDCPA restricts when debt collectors can contact consumers (typically not before 8:00 a.m. or after 9:00 p.m.) and allows consumers to request that collectors cease communication entirely.
• Provides Validation Rights: Consumers can request debt validation within 30 days of initial contact. The debt collector must provide written verification of the debt, including the creditor’s name.
• Bans Certain Actions: The FDCPA prohibits specific actions, such as reporting false information to credit bureaus and contacting consumers at their workplace if they’ve been told not to.

Consumers who believe their rights under the FDCPA have been violated can take legal action against debt collectors. Successful claims may result in the consumer recovering damages and attorney’s fees.

What Are the Most Common FDCPA Violations in San Diego?

The Fair Debt Collection Practices Act (FDCPA) sets strict rules and guidelines for how debt collectors can interact with consumers.

Common violations of the FDCPA include:

• Harassment or Abuse
• False or Misleading Statements
• Unauthorized Communications
• Failure to Verify Debts
• Threatening Legal Action
• Adding Unauthorized Fees
• Contacting Third Parties
• Reporting False Information
• Ignoring Cease and Desist Requests

Another way collectors violate the FDCPA is by missing the statute of limitations. Debt collectors can’t file a lawsuit to collect a debt beyond the statute of limitations. Doing so is a violation of the FDCPA.

Suing a Debt Collector

When debt collectors violate your rights under the Fair Debt Collection Practices Act (FDCPA), you have the option to take legal action. To do so, you can enlist the help of a dedicated fair debt defense attorney. This legal action involves filing an FDCPA lawsuit, which is aimed at ensuring justice is served and holding these debt collectors accountable for their unlawful actions.

The FDCPA provides protection not only against first-party creditors but also against third-party debt collection agencies, even when a debt buyer becomes involved. Federal collection laws are consistently enforced to make sure your rights remain safeguarded.

Time is a critical factor in addressing FDCPA violations. According to the FDCPA, you must start legal proceedings within one year of the violation occurring. This time limit ensures that your rights are upheld, and the pursuit of justice takes place promptly.

What Types of Damages Can You Recover for FDCPA Violations?

The FDCPA provides legal solutions to consumers subjected to unlawful debt collection practices.

Consumers could be awarded:

• Actual damages. You may be entitled to recover actual damages, such as the costs of emotional distress, physical distress, lost income, and medical expenses resulting from the collection violations.

If your wages were garnished or assets in your bank account were seized by a debt collector that violated the FDCPA, you can recover your lost assets and money.

• Statutory damages. The FDCPA allows for and sets statutory damages. If you are part of a class action lawsuit, the court determines damages and awards them to all members. The amount awarded cannot exceed $500,000 or 1 percent of the debt collection agency’s net worth.
• Attorney’s fees and costs. When you win your FDCPA lawsuit, the court may order the debt collector to pay your reasonable attorney’s fees and litigation costs.
• Injunctive relief. Sometimes, the court will issue an injunction to stop the debt collector from engaging in further unlawful practices.

We are committed to fighting for your rights and holding debt collectors accountable for any violations of the FDCPA. Contact us today to discuss your situation and take the necessary steps to protect yourself.

How Do San Diego FDCPA Lawyers Help?

A Fair Debt Collection Practices Act (FDCPA) lawyer can provide valuable assistance and support if you believe a debt collector has violated your rights under the FDCPA.

Here are some ways in which an FDCPA lawyer can help you:

• Assessment of Your Case: An FDCPA lawyer can evaluate your situation and determine whether there have been violations of the FDCPA. They can help you understand your rights and potential legal options.
• Cease and Desist Letters: Your attorney can send a cease and desist letter on your behalf, demanding they stop contacting you, which provides immediate relief from harassment.
• Debt Validation: If you dispute a debt, your lawyer can help you request debt validation from the collector. The collector must prove that you owe the debt, as the FDCPA requires.
• Negotiations: If you want to resolve the debt, your attorney can negotiate with the debt collector to reach a fair settlement or repayment plan.
• Filing Lawsuits: If necessary, your attorney can file an FDCPA lawsuit against the debt collector. This can lead to potential damages and penalties for the collector if they’re found to be in violation of the law.
• Legal Representation: If a debt collector has filed a lawsuit against you, your FDCPA lawyer can provide legal representation in court to defend your rights and interests.
• Protection Against Retaliation: An attorney can protect you from any retaliation or further harassment by the debt collector that might occur after you take legal action.
• Knowledge of the Law: FDCPA lawyers deeply understand the law and how it applies to your situation. They can navigate the complexities of the FDCPA to ensure that your rights are upheld.
• Documentation and Evidence: Your lawyer can help you gather and preserve evidence of FDCPA violations, which is crucial for building a solid case.
• Financial Relief: If your case is successful, you may be entitled to damages, including monetary compensation for any harm you’ve suffered due to FDCPA violations.

An FDCPA lawyer can be a valuable advocate and resource to help you navigate the legal complexities of debt collection and protect your rights as a consumer. Their experience can significantly affect your ability to address unfair or abusive debt collection practices.