Consumer Credit Violations

There are numerous forms of consumer credit violations, including but not limited to cases pertaining to:

  • Calling to Make your Phone Ring Ceaselessly
  • Calls to Neighbors
  • Calls to your Employer
  • Creditor Failure to Resolve Issues of Identity Theft
  • Creditor Harassment
  • Creditor Threats of Imprisonment or Prosecution
  • Discussing Debts with Third Parties
  • False Creditor Claims
  • Inaccurate Credit Reporting
  • Predatory Lending Schemes
  • Refusal to Cease Collection Attempts after Filing Bankruptcy
  • Refusing to Cease Communications upon Request or Demand
  • Repeated Calls Designed to Annoy
  • Threatening Collection Calls & Letters

Under the Fair Debt Collection Practices Act, debt collectors are restrained from utilizing threatening, abusive, deceptive and unfair methods in an attempt to collect a debt. California’s version of the Fair Debt Collection Practices Act (CFDCPA) also sets forth limitations on collection methods made by the creditors themselves.

These acts are designed to protect consumers against defamatory statements, threats of physical violence, threats of criminal prosecution, the use of obscene language, misrepresentation, and numerous daily communications.

Additionally, all consumers are entitled to privacy, and debt collectors and creditors are prohibited from discussing your personal financial matters with third parties. The only exception to this rule is if you have retained counsel to deal with your creditors. Once you have legal representation, creditors may not contact you personally unless your attorney refuses to communicate with them.

Under the Fair Debt Reporting Act, consumers have the right to obtain information contained within their credit reports and dispute the validity of any false claims resulting from identity theft and inaccurate credit reporting. The three Credit Reporting Bureaus have a duty to investigate any complaints of inaccurate or false information, and must delete any information which cannot be substantiated or verified. Violating any of the terms set forth in these acts may result in substantial fines, monetary compensation, and the payment of your attorney fees.

For additional information regarding any of these violations, please complete our Contact Us case evaluation form and a representative from our firm will contact you as soon as possible.