What the FDCPA Means for You in Los Angeles

The Fair Debt Collection Practices Act (FDCPA) was created to keep third-party debt collectors in check. Still, many people across Los Angeles experience phone calls, letters, and threats that violate their rights. If you’ve been targeted with pressure tactics or false claims, you’re not alone—and you’re not without options.

Martin & Bontrager, APC helps individuals assert their rights under the FDCPA when debt collectors choose to cross the line.

Tactics That Cross the Legal Line

Harassment isn’t always loud or dramatic. Sometimes it’s the persistent calls at odd hours, misleading threats about lawsuits, or attempts to collect on a debt that doesn’t even belong to you. In other cases, it’s a collector contacting your workplace or friends, or continuing to call after being told to stop. These are not just pushy tactics—they are violations of federal law.

Collectors often rely on the assumption that you won’t know your rights or won’t push back. That assumption is where we step in.

Taking Legal Action That Makes a Difference

Martin & Bontrager, APC works with clients across Los Angeles who have been subject to unfair or abusive collection practices. We help clients gather evidence, understand their legal rights, and move forward with action that holds collectors responsible. In some cases, this may result in financial compensation. In others, it may involve stopping the harassment entirely and clearing up disputes that never should have happened.

We do more than send warning letters—we build cases designed to enforce your rights under federal law.

Understanding Your Rights Without Confusion

You don’t have to have all the answers to get started. If you’ve received suspicious calls or letters from a collector, or you’ve been threatened with legal action, it may be worth reviewing whether the FDCPA applies to your situation. Many people in Los Angeles live for months or even years with unnecessary stress from debt collection activity that violates the law.

Your financial story doesn’t have to be written by collectors who ignore legal boundaries. If you’re dealing with relentless calls or feel like your privacy has been violated, it’s time to find out what legal steps are available to you.