Defending Against Collections
Protect Yourself from Unfair Cerritos Debt Collections & Debt Recovery Practices
The Fair Debt Collection Practices Act (FDCPA) protects consumers from unethical debt recovery tactics, ensuring that collectors follow legal and ethical guidelines. You have the right to dispute unfair claims and safeguard yourself against harassment. Know your protections and take control of your financial well-being.
Defending Yourself Against Debt Collection Efforts
✔ Confirm the Debt – Request proper documentation to ensure the debt is valid before making any payments.
✔ Understand Your Rights – Debt collectors must follow ethical guidelines and cannot use intimidation, false claims, or harassment.
✔ Explore Settlement Options – If full repayment is difficult, negotiate a feasible payment plan that suits your financial situation.
✔ Get Legal Support – If you suspect unfair collection practices, consider consulting an attorney to protect your rights.
Warning Signs of Illegal Debt Collection Tactics
❌ Baseless Legal Threats – Debt collectors cannot falsely threaten lawsuits or legal action without proper justification.
❌ Calling at Restricted Hours – Contacting you before 8 AM or after 9 PM violates legal guidelines.
❌ Workplace Intrusion – Reaching out to you at work after being instructed not to is prohibited.
❌ False Claims on Debt Amounts – Misrepresenting the actual balance owed is a deceptive practice.
If a collection agency is harassing you, you may have legal options to challenge their actions and protect your rights.
