Snippets home page
 
 
register
 
 
finance

What are my rights when being called by a credit card's law firm for collection in California?

asked by preetishailgarg (12)

You have 50 words left!
 
 
related questions

Can I bring a credit card lawsuit for a paid in full account?

What advice can you give me for a credit card bill when a law firm is handling the collection?

What can you tell me about credit card write-offs and collection agencies?

What does bankruptcy law in California say about credit card debt and marriage?

What is the Georgia law concerning someone stealing your credit card?

What is the law on credit card default?

What other negotiations can you make for credit cars law firm collection in California?

Tags:  finance  legal  united states

answers

Generally you have the right not to be harassed, called at work, called at home after work ours (i. e. at night) and to not be accosted in person. You can also order them to have to deal with your lawyer if you have one. You also don't have to talk to them at all, regardless of what they say.

reply
posted by tml (479)
6 votes

They cannot call you before 8 a. m. or after 9 p. m. They should not threaten you or say they will sue you unless they have action to. You have the right to make payments.

6 votes

You can get the details of the right from the Attorney General and the Fair Debt Collection Practices Act. Basically creditors are not allowed to harass you when they contact you. You can request that they mail you any information and you should make this request by certified mail, keeping a copy for yourself.

reply
posted by Mary (1156)
6 votes

Most credit card companies have their own in house collections so make sure they are who they say they are. No one is allowed to call you before eight am or after nine pm in your time zone. If you have a personal card you have the right to ask for all correspondence in writing and no more calls

5 votes

They are not allowed to curse at you. They cannot call past 9 PM your local time or before 6 AM your time. They cannot threaten criminal action for nonpayment. They are legally obligated to send proof of the debt when asked. They cannot call you at work if you request them not to.

4 votes

Report a post on this page as inappropriate
 If you have questions about user content, read our liability disclaimer

  
   
Add your own answer in 50 words or less! Add your comment in 50 words or less!

copyright © 2008
conjecture corporation

FAQ About Us Contact Us Terms & Conditions Privacy Policy