A debt collector may not use obscene or profane language or language likely to abuse the hearer or reader. This includes abusive language includes religious slurs, profanity, obscenity, calling the consumer a liar or a deadbeat, and the use of racial or sexual epithets.
Contra Costa California Notice to Debt Collector - Use of Abusive Language
Category:
State:
Multi-State
County:
Contra Costa
Control #:
US-DCPA-29
Format:
Word;
Rich Text
Instant download
Description
Use this form to notify a debt collector they violated the Fair Debt Collection Practices Act (FDCPA). Receiving notice from a consumer makes it more likely a debt collector will comply with the FDCPA. If they don't comply after receiving notice, your notice letter may help prove that their actions were intentional.
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FAQ
The phrase is: 'I do not want to be contacted anymore.' By using this statement, you can effectively communicate your desire to cease contact with the debt collector. However, be aware that they may still pursue legal actions regarding the debt. Understanding the implications of this phrase can help you in your dealings with debt collectors, particularly when abusive language is a concern.
In California, a debt collector can collect on a judgment for up to 10 years, which may be renewed for an additional 10-year period. During this time, they can pursue various collection methods, such as wage garnishments or bank levies. Being aware of your rights under the Contra Costa California Notice to Debt Collector - Use of Abusive Language will empower you to handle any collection attempts appropriately.
No harassment The Fair Debt Collection Practices Act (FDCPA) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. Some examples of harassment are: Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone. Obscene or profane language.
Repetitive phone calls, foul language, threats, and any other behavior used to annoy, abuse, or harass you can be considered creditor harassment. The Fair Debt Collection Practices Act (FDCPA) makes creditor harassment illegal, so it is important for you to know your rights when a creditor calls.
Fortunately, there are legal actions you can take to stop this harassment: Write a Letter Requesting To Cease Communications.Document All Contact and Harassment.File a Complaint With the FTC.File a Complaint With Your State's Agency.Consider Suing the Debt Collection Agency for Harassment.
The definition of debt collector harassment is to intimidate, abuse, coerce, bully or browbeat consumers into paying off debt. This happens most often over the phone, but harassment also could come in the form of emails, texts, social media, direct mail or talking to friends or neighbors about your debt.
The Administration of Justice Act prevents debt collectors from being allowed to harass you.
A debt collector can't harass you Now, for a few rules that apply to any debt collector, including collection agents. First, they can't communicate with you in a way that amounts to harassment. Harassment can include: using threatening, intimidating, or profane language.
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from placing repeated or continuous telephone calls or conversations to you with the intent to harass, oppress, or abuse you.
Creditor harassment is any type of unsolicited and repeated contact from the creditor or a debt collection agency that disturbs you, frightens you, or makes you feel threatened.