Understanding Your Rights Under the FDCPA

Many people in Los Angeles face daily calls, threatening letters, and pressure from debt collectors. While it’s legal for collectors to pursue repayment, there are strict limits on how they’re allowed to treat you. The Fair Debt Collection Practices Act (FDCPA) was designed to stop harassment, false threats, and unethical behavior by third-party debt collectors. At Martin & Bontrager, APC, we help clients enforce those rights and put an end to illegal tactics.

Being contacted about a debt is one thing—being harassed or lied to is another.

What Counts as a Violation?

Collectors are not allowed to use profanity, call excessively, threaten arrest, or misrepresent what you owe. They also can’t contact you before 8 a.m. or after 9 p.m., speak with others about your debt without permission, or pretend to be someone they’re not. These actions are direct violations of the FDCPA—and they happen far more often than most people realize.

Some collectors hope you won’t know your rights or won’t take action. That’s where we come in.

Taking Legal Action That Makes an Impact

If a collector has crossed the line, you may be eligible to recover money for the stress and harm they’ve caused. The FDCPA allows consumers to pursue compensation, stop further contact, and hold abusive agencies accountable. Martin & Bontrager, APC works with Los Angeles residents who are tired of the harassment and ready to fight back.

We evaluate your case, gather call logs, letters, voicemails, and other documentation, and build a strong legal claim aimed at both ending the abuse and pursuing damages.

Helping You Regain Peace of Mind

Every case is different—but every client deserves to be treated with dignity. Whether you owe the debt or not, you still have legal rights that must be respected. Our firm listens to your experience and provides a strategy based on your unique situation.

If you’re facing non-stop calls, misleading threats, or aggressive behavior from a collector, it’s time to talk to an FDCPA lawyer in Los Angeles. Martin & Bontrager, APC is here to help you take back control and hold the debt collectors accountable for their actions.