Aggressive and unlawful debt collection practices can add stress to an already difficult financial situation. When collectors cross the line, individuals have rights under the Fair Debt Collection Practices Act (FDCPA)—a federal law designed to limit abusive behavior and hold collectors accountable. At Martin & Bontrager, APC, we represent Los Angeles consumers who have been subjected to violations under the FDCPA.

What the FDCPA Covers

The FDCPA places strict limits on what third-party debt collectors can say and do when attempting to collect a debt. It prohibits harassment, false statements, threats, and unfair practices. This includes calling at unreasonable hours, contacting others about your debt, using profanity, or misrepresenting the amount owed.

The law also requires that collectors validate the debt and provide written notice. If they fail to do so or persist with deceptive or coercive tactics, they may be violating federal law.

Common Signs of FDCPA Violations

Some violations are obvious, like threats of arrest or physical harm. Others are more subtle. Repeated robocalls, failure to identify themselves as debt collectors, or misrepresenting the legal status of a debt are all prohibited conduct. Many people assume they must endure these calls or letters, but that’s not true.

In Los Angeles, consumers regularly encounter debt collectors who push boundaries. Whether the debt is legitimate or not, your rights under the FDCPA remain intact.

Legal Action for Unlawful Collection

If a debt collector has crossed the line, you may be entitled to statutory damages—up to $1,000 per violation—along with compensation for any actual harm caused. In some cases, the collector may also be responsible for covering your legal fees.

At Martin & Bontrager, APC, we help clients build a strong case by documenting calls, letters, and other interactions. With legal support, you can take steps to hold collectors accountable and send a clear message that abusive practices won’t be tolerated.

Standing Up to Unfair Tactics

You don’t have to deal with unlawful collection practices alone. The FDCPA exists to give consumers a fair chance and a way to push back. If you’ve experienced harassment or deception from a debt collector, Martin & Bontrager, APC is here to help Los Angeles residents assert their rights with clarity and confidence.