Debt collectors are notorious for their threatening and very intense ways of collecting what they think they are owed. Debt collectors create more complaints to the FTC than any other enterprise. Unfortunately, many consumers do not know that federal and state laws regulate debt collectors’ interactions with you through statutes like the federal Fair Debt Collection Practices Act and California’s Rosenthal Fair Debt Collection Practices Act. Even fewer consumers recognize that these statutes permit them to hold debt collectors accountable for their unfair debt collection practices at no cost to themselves. Fortunately, if you are being bullied by a debt collector, our California debt collection harassment lawyer is willing to fight back on your behalf. Our firm will do whatever is needed to put an end to the harassment and keep debt collectors accountable for their criminal actions. Give Loker Law, APC a call today to begin.
What are the goals of the debt collection statutes that were enacted?
You will want to keep in mind that with the history of debt collection harassment, Congress has in turn passed the Fair Debt Collection Practices Act while communicating the following:
(a) Abusive practices. There is plentiful evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, marital instability, the loss of jobs, and invasions of individual privacy.
(b) Inadequacy of laws. Existing laws and procedures for disciplining these damages are insufficient to defend consumers.
(c) Available non-abusive collection methods. Methods other than misrepresentation or other abusive debt collection practices are open for the effective collection of debts.
(d) Interstate commerce. Abusive debt collection practices are held to a considerable extent in interstate commerce and through means and instrumentalities of commerce. Even where severe debt collection practices are purely intrastate in character, they still instantly impact interstate commerce.
(e) Purposes. This title plans to eliminate abusive debt collection practices by debt collectors, make sure that those debt collectors who withhold from using abusive debt collection practices are not competitively at a disadvantage, and encourage consistent State action to guard consumers against debt collection abuses.
With these goals in sight, the many statutes controlling unfair debt collection practices strive to provide consumers with a tool to end abusive collection efforts. To learn more, reach out to our firm today.
Contact a California Consumer Lawyer
If you are facing any sort of consumer-related issue, such as one involving identity theft, or a credit report dispute, or you need a debt collection defense attorney to fight for you, our firm is ready to help. Contact Loker Law, APC today to schedule your initial consultation with our experienced legal team.