Secure Debt Shall Forget The Day In California
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FAQ
Yes, disputing your debt can restart the statute of limitations.
The phrase in question is: “Please cease and desist all calls and contact with me, immediately.” These 11 words, when used correctly, can provide significant protection against aggressive debt collection practices.
California's Fair Debt Collection Practices Act has long been a critical framework for protecting consumers from abusive or unfair debt collection practices. Recently, however, Governor Gavin Newsom signed into law SB 1286 on September 24, 2024, expanding these protections to certain commercial debts.
Debt collectors may not be able to sue you to collect on old (time-barred) debts, but they may still try to collect on those debts. In California, there is generally a four-year limit for filing a lawsuit to collect a debt based on a written agreement.
The truth is that there are no magic words to stop a debt collector from collecting the debt. In case you are wondering what the 11 word phrase to stop debt collectors is supposed to be its “Please cease and desist all calls and contact with me immediately.”
Specifically, the rule states that a debt collector cannot: Make more than seven calls within a seven-day period to a consumer regarding a specific debt. Call a consumer within seven days after having a telephone conversation about that debt.
Follow these steps to respond to a debt collection case in California Answer each claim listed in the complaint. Assert your affirmative defenses. File the Answer with the court and serve the plaintiff.
