Defending Against Collections
Know Your Rights & Protect Yourself from Unfair Debt Collection Practices
If you’re facing a debt collection claim, it’s crucial to understand your rights under the Fair Debt Collection Practices Act (FDCPA)
. Debt collectors are legally required to follow ethical practices, and as a consumer, you have protections against harassment and unfair treatment.
How to Defend Against Debt Collection
✔ Verify the Debt – Request official documentation to confirm the debt’s legitimacy.
✔ Know Your Rights – Debt collectors cannot use harassment, threats, or false statements to collect payments.
✔ Negotiate a Settlement – If you can’t pay the full amount, request a structured payment plan.
✔ Seek Legal Assistance – If you believe a collection attempt is unfair, consult an attorney.
Illegal Debt Collection Practices to Watch Out For:
❌ Threatening legal action without proper grounds
❌ Calling outside of permitted hours (before 8 AM or after 9 PM)
❌ Contacting you at work after being told not to
❌ Misrepresenting the amount owed
If you’re being harassed by a collection agency, you may have grounds for legal action.
Need Legal Advice? Contact Culver City Debt Collection today!
Contact Us
