Lawyer for Unfair Debt Collection

Unfair and harassing debt collection practices occur when debt collectors violate your rights under the Fair Debt Collection Practices Act (FDCPA). Violations include repeated phone calls, suing on a debt you don’t owe, making false claims about the debt, contacting third parties like your employer or family without permission, threats of violence or harm, or… [Read More]

Under the FDCPA, you have the right to: Stop communication from debt collectors by sending a written cease-and-desist letter or refuse to pay letter. Dispute the debt within 30 days of initial contact, requiring the debt collector to verify it before continuing collection efforts. Be free from calls before 8 a.m. and after 9 p.m…. [Read More]

Common examples of unfair collection practices include: Suing you on a debt you don’t owe. Repeated or excessive calls meant to harass or annoy you. Threats of legal action or arrest without any intention of following through. Misrepresentation of the amount owed, such as inflating the balance or adding illegal fees. Contacting you at work… [Read More]

Debt collectors are allowed to contact third parties (such as family members or employers) only once and only to obtain contact information like your phone number or address. They cannot discuss the debt with anyone other than you, your spouse, or your attorney, and they must stop contacting your workplace if you request it.

If you believe a debt collector is violating the FDCPA, you can: Document the abuse: Keep records of all communication, including dates, times, and the content of conversations. Send a cease-and-desist letter or refuse to pay letter: This formally requests that the collector stops contacting you. File a complaint: Report the harassment to the Consumer… [Read More]

Book a free consultation. We help people who are victims of unfair debt collection. We have more than two decades of experience helping and representing people who have suffered unfair debt collection. We file lawsuits on a contingency fee basis so you don’t pay our fees and costs unless you win at trial or receive… [Read More]

Corporations sometimes put economic efficiency over accuracy, pursuing the wrong person or an incorrect amount. Under federal law, you have the right to request a “debt validation” in writing within 30 days of their first contact. Once you send this request, the collection agency must pause all collection efforts until they provide concrete proof that… [Read More]

You deserve to live with dignity and peace, free from constant corporate harassment. Under the Fair Debt Collection Practices Act (FDCPA), you can send the collection agency a formal “cease and desist” letter. Once they receive it, they are legally required to stop communicating with you, except to confirm they are ending contact or to… [Read More]

While collectors might try to pressure you into paying old, “zombie” debts to maximize their profits, California law strictly limits how long they have to sue you—usually four years for credit card debt. If a debt is past this statute of limitations, they cannot legally force you to pay it through the courts. Never make… [Read More]

Yes. When debt collectors cross the line—using abusive language, threatening you, or calling at unreasonable hours—they violate the law. If a corporation refuses to treat you with basic respect and breaks the rules, Attorney Balam Letona is prepared to hold them accountable. By filing a lawsuit, you may be entitled to recover actual damages, statutory… [Read More]