Congregation agency laws in California enforce a strict no-harassment clause when dealing with debtors.
Class agency laws in California are mandated by two entities; the Impartial Obligation Congregation Practices Point and the Rosenthal Unprejudiced Obligation Organization Practices Detail. The federal edict is the FDCPA and the authority law is the RFDCPA. Laws regarding organization agencies and Obligation collectors are designed to elevate equity, equality and honesty in Obligation organization. California class agency laws revenue into keeping the society of the economy further as defaults that can be expected.
Disclosure of Purpose/Identity
Under California Obligation aggregation jurisprudence, Obligation collectors calling on the behalf of creditors must claim their name and desire for calling during the first phone call.
Under no circumstances may debt collectors misrepresent themselves to the debtors.Consumer debt, per the FDCPA definition and mandated in all states including California, is debt accrued by any individual, household or family. Consumer debt does not include debt incurred by any business entity or by any individual acting on business purposes.
The debtor must dispute the debt in writing within 30 days of notification the debt is in collections.
Moreover to the right to dispute the debt, the debtor may also demand written verification of the debt in question. The creditor must prove the debtor owes the amount being claimed.
Abuse and Threats
At no time may the debt collector harass, abuse or threaten a debtor during a phone call or any other time. The "no abuse" section of this article includes no profane, obscene or abusive language may be used toward the debtor.
The debt collector may at no time make threats of imprisonment or any other penalties to the debtor.
Debt Collector
According to the FDCPA and mandated in all states, including California, debt collectors are third-party debt collectors acting on behalf of an original creditor. California however, went one step further and also regulates original creditors' debt collection practices.
Consumer Debt
Debt collectors may at no time say they are an attorney or law enforcement official.
