San Diego Debt Collector Harassment Lawyer
Feeling battered by relentless debt collectors in San Diego? You’re not alone.
We understand the constant calls and intrusive pressure tactics can feel overwhelming and leave you drained. At Kazerouni Law Group, APC, we can stand up to unfair debt collection practices and reclaim your peace of mind.
Our experienced attorneys know the ins and outs of consumer protection laws and are passionate about defending your rights. We’ve seen the emotional toll that aggressive collectors can take, and we’re here to fight back in your corner.
Take control of the situation and let us handle the pressure. We’ll take on the legal side of things, deal directly with the collectors, and work towards a resolution that protects your rights and offers relief.
Don’t face debt collector harassment alone. Contact our San Diego debt collector harassment lawyers at Kazerouni Law Group, APC for your free consultation and take the first step towards finding relief from harassment and moving towards a brighter financial future.
Why Choose Our San Diego Debt Collector Harassment Lawyers?
Kazerouni Law Group, APC is not your average law firm. We’re a team of battle-tested litigators, nationally recognized as some of the toughest consumer champions in the nation.
Founded on the unwavering belief in fighting for the underdog, we’ve:
- Won over $1 billion for our clients.
- Pioneered winning strategies in landmark cases.
- Secured justice and financial relief against powerful opponents.
But we’re not just about results. We believe in treating every client with respect and dignity, while never backing down in the face of injustice. You won’t be shuffled around to inexperienced hands at our law firm. Knowledgeable, seasoned attorneys will be your dedicated cornerstones throughout your case.
Right in the heart of San Diego, just off Interstate 805, our passionate team is just a quick drive away. Give us a phone call today, so we can help you with your case as soon as possible.
What Can Debt Collection Companies Not Do?
Debt Collection Companies are prohibited from engaging in the following actions:
- Call you before 8 a.m. or after 9 p.m. without your prior permission.
- Contact you after you’re represented by an attorney.
- Contact your friends or family members without your permission.
- Threaten physical violence or to harm you.
- Contact you at work without your permission.
- Lie to you.
- Use abusive language.
- Impersonate a government official or police officer.
- Threaten to send you to jail.
- Threaten to harm your reputation, property, person, or family.
San Diego Debt Collector Harassment Compensation
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive collection tactics like:
- Non-stop calls and threats
- Lying or misleading you about your debt
- Contacting you at inconvenient times or places
- Using foul language or insults
To collect as much compensation as possible:
- Document everything: Keep a record of every call, text, or letter from the collector, including dates, times, and what they said. This will be crucial evidence in your case.
- Know your rights: Visit the Consumer Financial Protection Bureau (CFPB) website to learn more about the FDCPA and how to file a complaint against a collector who’s breaking the rules. You can also call their hotline at 1-850-677-2329.
- Get legal help: Contacting a San Diego debt collector harassment lawyer can help you understand your options and take the next steps.
In some cases, filing for bankruptcy might put an immediate stop to the harassment. However, it’s a complex decision, so talk to a lawyer before making any choices.
Depending on your financial circumstances, you have the option to file for Chapter 7 or Chapter 13 bankruptcy in San Diego. Should creditors persist in their harassment despite being informed of your filing, or if a creditor persists in employing deceptive and abusive collection methods, you may qualify to seek financial compensation.
Remember, you don’t have to go through this alone. There are resources and support available to help you stop the harassing phone calls and get the relief you deserve.
Where Do Debt Collector Harassment Accidents Take Place in San Diego?
Debt collector harassment incidents can take place in various locations and situations throughout San Diego County.
Some common occurrences include:
- Constant phone calls: Debt collectors may bombard you with calls throughout the day, even early mornings or late nights, disrupting your life.
- Unwarranted workplace contact: They may inappropriately contact your employer, potentially harming your professional reputation.
- Other locations: Harassment can also occur through texts, emails, or even visits to your home.
The Fair Debt Collection Practices Act (FDCPA) and the California Rosenthal Fair Debt Collection Practices Act offer protection against abusive and harassing behavior by debt collectors. Victims may be entitled to compensation for damages, including emotional distress and financial harm caused by the harassment.
What Are the Differences Between FDCPA and RFDCPA Protections?
Both the Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act (RFDCPA) offer protections against abusive debt collection practices, but they do have some key differences:
- FDCPA: Applies to third-party debt collectors collecting debts for others.
- RFDCPA: Applies to both third-party debt collectors and original creditors (such as credit card companies) collecting their debts. This is broader than the FDCPA.
Both laws share many similar prohibitions on abusive practices, such as:
- Repeated calls or threats
- False or misleading statements
- Using obscene language
- Contacting you at inconvenient times or places
- Unfairly contacting your employer or others about your debt
- Both laws allow you to sue for damages if you are harmed by a debt collector’s actions.
- RFDCPA: Offers additional potential remedies, such as:
- Civil penalties for violations
- Cancellation of the debt in some cases
- FDCPA: Federal law, so it applies nationwide.
- RFDCPA: California state law, so it applies only within California.
Overall, the RFDCPA offers broader protections than the FDCPA, covering both third-party collectors and original creditors, and providing additional safeguards against certain practices. In addition to that, since you’re located in California, the RFDCPA provides you with additional legal options compared to the FDCPA.
7 Common Types of Debt Collector Harassment
Debt collector harassment can take many forms, all of which are illegal under the Fair Debt Collection Practices Act (FDCPA) and its California equivalent, the Rosenthal Fair Debt Collection Practices Act (RFDCPA).
Common types of debt collector harassment that consumers may experience include:
- Threatening violence or harm
- Repeatedly calling outside of reasonable hours
- Impersonating an authority figure, such as a police officer or attorney
- Making false statements or misrepresenting the amount or status of the debt
- Revealing the debt to others, such as family members, friends, or employers
- Using profane or abusive language
- Threatening legal action that they cannot legally take, such as garnishing wages without a court order
If you have experienced any of these types of debt collector harassment, it’s important to know that you have rights. You have the right to take legal action against debt collectors who engage in illegal practices.
Contact a San Diego debt collector harassment lawyer who can help you understand and protect your rights under the law.
Frequently Asked Questions About Debt Collector Harassment:
es, you have the right to sue a debt collector who has harassed you. A proficient attorney will assess your case and guide you on the best course of action.
Hiring a lawyer can significantly alter the situation in your favor. Debt collectors are legally restricted from contacting you once they are informed that you are represented by an attorney.
What to Do After a Debt Collector Harassment Incident?
Here’s what to do after experiencing a debt collector harassment incident:
- Prioritize Wellbeing:
- Follow the doctor’s recommendations: Address any mental or emotional distress caused by the harassment. Keep documentation and receipts of medical expenses.
- Document the harassment: Maintain a journal detailing the interactions, their frequency, and their impact on your daily life. This provides valuable evidence of emotional hardship.
- Gather Evidence:
- Police report: Obtain a copy, if filed, to document the incident officially.
- Collect further proof: Save voicemails, letters, emails, or text messages as evidence of harassment.
- Witness statements: If anyone witnessed the harassment, document their accounts.
- Seek Legal Support:
- Consult Kazerouni Law Group, APC: We’re on standby, ready to help you with your San Diego debt collector harassment case.
- Bring all evidence: Be sure to provide us with your documentation and gathered proof.
Remember: Taking swift and proactive measures can help strengthen your case and increase your chances of receiving compensation for the harm suffered.
Speak With a San Diego Debt Collector Harassment Lawyer Today
At Kazerouni Law Group, APC, we understand the significance of shielding you from degrading, distressing, and blatantly unlawful practices commonly carried out by debt collection agencies and creditors. What’s even more concerning is that creditor harassment can detrimentally affect your professional life, strain your marital relationship, and generate a pervasive sense of privacy invasion.
Our team of San Diego consumer protection attorneys is here to reassure you that you’re not navigating this challenge alone and that you possess viable options to counter or rectify the situation. In cases where a debt collector violated your rights, we may assist you in initiating legal action against the creditors, potentially resulting in compensation for you.