Unfair debt collection practices can be more than frustrating—they can be illegal. Many individuals in Los Angeles deal with relentless phone calls, misleading information, and threats from third-party collectors. The Fair Debt Collection Practices Act (FDCPA) was created to stop these tactics. At Martin & Bontrager, APC, we help clients stand up against collectors who violate federal law.
What the FDCPA Prohibits
The FDCPA sets clear boundaries on how debt collectors must conduct themselves. They are not allowed to use harassment, lies, or intimidation to collect a debt. This includes calling repeatedly at odd hours, threatening legal action they cannot take, using offensive language, or pretending to be someone they’re not. Collectors must also identify themselves and provide accurate information about the debt. When they fail to meet these standards, they may be held liable.
Signs a Collector Has Crossed the Line
Many people feel helpless when a debt collector becomes aggressive or deceptive. Common warning signs include phone calls before 8 a.m. or after 9 p.m., contacting your employer or family members, or continuing to call after being asked in writing to stop. These behaviors are not just rude—they may be violations of federal law. Even if a debt is owed, collectors must follow strict rules in how they pursue repayment.
Legal Options for Consumers
If a collector has violated the FDCPA, you may be entitled to financial compensation. This includes statutory damages up to $1,000 per violation, as well as any actual harm caused—such as emotional distress or damage to your credit. Martin & Bontrager, APC works with clients to build strong cases, gather evidence, and file claims to stop illegal behavior and recover damages.
Standing Up for Fair Treatment
No one should feel bullied or deceived over a debt. The law is clear: debt collectors must treat consumers with honesty and respect. If you’ve been subjected to unlawful collection practices, legal support can make a real difference. Martin & Bontrager, APC represents Los Angeles residents in FDCPA cases—helping them challenge harassment and reclaim peace of mind.
