Debt collection can become abusive when collectors cross legal boundaries. The Fair Debt Collection Practices Act (FDCPA) was created to stop these violations and give consumers a way to fight back. At Martin & Bontrager, APC, we help Los Angeles residents assert their rights when debt collectors go too far.
Understanding What the FDCPA Covers
The FDCPA applies to third-party debt collectors and lays out strict rules for how they can communicate with consumers. It prohibits harassing phone calls, threats, misrepresentation, and the disclosure of your debt to others. Collectors must identify themselves, provide accurate information about the debt, and stop contact if requested in writing. Any behavior that crosses these lines may be a violation of federal law.
Common Violations Consumers Experience
Harassment often begins with frequent or aggressive calls, sometimes multiple times a day. Some collectors use intimidation, claiming you’ll be arrested or sued without legal grounds. Others may contact family members or employers, trying to create embarrassment or pressure. These tactics are not only unfair—they are illegal. Even if a debt is valid, you still have the right to be treated with fairness and respect.
What Legal Action Can Accomplish
If a collector violates your rights under the FDCPA, you may be eligible for statutory damages up to $1,000 per violation, along with reimbursement for any actual harm suffered. In many cases, the collector may also be required to pay your legal fees. Martin & Bontrager, APC works with clients to review communications, preserve documentation, and file claims that seek both accountability and relief.
Taking a Stand Against Abusive Debt Collection
You don’t have to accept aggressive or dishonest collection tactics. The FDCPA was designed to balance the scales and ensure that debt collectors follow the law. If you’ve been subjected to threats, false statements, or unwanted contact, Martin & Bontrager, APC is here to help Los Angeles consumers push back. Your financial rights matter—and we’re ready to help you defend them.
