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.

A woman at a table, resting her head in her hands, with a laptop, calculator, and papers; while a man talks on the phone behind her.

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.

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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.

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Need Legal Advice? Contact Culver City Debt Collection today!

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