Understanding the Line Between Legal and Illegal Collection Tactics
The Fair Debt Collection Practices Act (FDCPA) exists for a reason: to stop debt collectors from using harassment, deception, or threats to pressure consumers into payments. Yet, across Los Angeles, people still report calls late at night, aggressive language, false claims, and attempts to contact friends or employers. At Martin & Bontrager, APC, we focus on holding these collectors accountable when they go too far.
Recognizing Abusive Behavior
Not all collection activity is illegal, but once the line is crossed, it becomes a legal matter. You have the right to be treated with dignity—even if you owe a debt. Common violations include repeated calls after being asked to stop, false threats of arrest, claiming to be a government official, or misrepresenting how much is owed. These tactics are not just wrong—they’re violations of federal law.
How We Help You Push Back
Our legal team helps clients fight back under the FDCPA by identifying misconduct and pursuing compensation. If a collector has broken the rules, you may be entitled to recover damages—both financial and emotional—for the stress and disruption caused. We don’t just send letters or file reports. We pursue meaningful action to stop abusive behavior and restore your peace of mind.
What Sets Our Approach Apart
Martin & Bontrager, APC brings a targeted focus to debt collection abuse cases in Los Angeles. We listen closely, investigate thoroughly, and act with a strategy built around your experience. Each case is different, and we believe in tailoring our approach to your specific circumstances—not using a one-size-fits-all method.
Your Rights Can’t Be Ignored
Debt collectors often rely on fear and misinformation. But the law is clear: you have rights that cannot be waived or silenced. If you’ve been contacted in a way that feels aggressive, dishonest, or intrusive, that’s reason enough to seek legal insight. Whether you’re being pursued for a legitimate debt or one you don’t even owe, the FDCPA offers strong protections that empower you to respond.
Unfair treatment isn’t something you have to tolerate. If you’re facing harassment from collectors, it may be time to demand accountability.
