Debt Collection Harassment Lawyers in California
Restoring peace and justice in the face of debt collection harassment – Zemel Law leads the way.
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A creditor company in California may be bothering you because you missed payments. But at times, they might go overboard with it – constant calls, letters to your family, and threatening emails about ruining your credit score. Can they legally practice such harassing activities in California? The answer is "NO!" You have Zemel Law’s renowned and experienced California debt collection lawyer, to help you sue those debt collectors for harassing you.
We educate individuals on both federal and state rules – that control how debt collectors should communicate with you in California. Using standard laws, we ensure the debt collection agency pays for its mistakes with fees and penalties.
Understanding Debt Collection Harassment in California

As per law, illegal and prohibited practices by debt collectors when attempting to collect debts are considered harassment. Debt collectors cannot harass or abuse individuals. This includes not swearing, making threats of illegal actions, falsely threatening, making repeated calls over a short period to annoy or harass, using abusive language, and engaging in deceptive and unfair debt-collection practices. Any conduct that is unconscionable or unfair violates federal and state statutes governing debt collection in California.
Take action against the companies that may be violating your rights.
Signs You're a Victim of Debt Collection Harassment in California
Do you feel you are being harassed by a debt collection agency in California but are confused about whether you can report it or not? Here are signs that signify harassment and are punishable under the law:
1 Witnessing tactless behavior or calls at undesirable times?
2 Receiving fraudulent calls and threats to take fake legal actions
3 Fake debt collection queries
4 Collectors trying to embarrass you publicly
5 Still getting calls and emails after attorney interference?
Why You Need Our Debt Collection Harassment Lawyer Assistance in California
At Zemel Law, we strive to stand up to debt collector misconduct and fight for your peace of mind. Here’s how we do that and why you need our attorney:
1 Expert guidance and support
Our legal team is thorough with the statutes that regulate debt collection harassment. As your legal advisors, our primary task is to educate individuals on their rights and options under laws like the Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act. Our goal is to give you practical strategies to stop the harassment, assert your legal rights, and help deal with the complexities of debt collection issues.
Our debt collection lawyer in California will represent individuals or businesses who are being harassed by debt collectors.
2 Taking Legal Action
3 Comprehensive Debt Support
4 Collecting Proof
Your Rights Under the FDCPA and RFDCPA in California
Fair Debt Collection Practices Act (Ferdral)
If a debt collector is treating you unfairly, you have the right to fight back. The FDCPA allows you to sue them for breaking the rules.
The FDCPA states: “A debt collector may not engage in any conduct, the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.”
Under this law, you have some important rights when dealing with debt collectors:
- Debt collectors can’t use mean language, keep calling you non-stop, or do anything to bother or hurt you. If they do, you can tell them to stop, and if it’s really bad, you might even be able to take them to court.
- Debt collectors have to send you a written notice within about 5 days of first contacting you. This notice should say how much you owe, who you owe it to, and your right to say if you think something’s wrong.
- You can say if you don’t think you owe all or part of the debt within 30 days of getting the notice. While they check, the debt collector can’t keep trying to get the money from you.
- Debt collectors can’t lie or trick you about the debt, like saying you owe more than you do. If they do, you can take legal action against them.
- You can ask the debt collector to stop contacting you. Once you write to them about it, they can only get in touch to say they got your request or to tell you what they’re going to do next.
- You could get back the money you lost, up to $1,000 extra, and the cost of your debt collection lawyer in California. Even though this might not sound like a huge amount, it’s a big deal for debt collectors. They could face higher insurance costs, lower collection success, government actions, and expensive legal battles for their wrong actions.
Rosenthal Fair Debt Collection Practices Act (State)
Apart from the FDCPA, people living in California are also shielded by the Rosenthal Fair Debt Collection Practices Act, commonly known as the Rosenthal Act. This state law, similar to the FDCPA, stops debt collectors from using mean, tricky, or misleading tactics.
But, the Rosenthal Act goes beyond the FDCPA. It covers not just debt collection agencies but also any business involved in collecting debts, like, Collection agencies, Original creditors, Repossession agencies, and Debt collection lawyers. If you think a lender or debt collector has treated you unfairly, the Rosenthal Act allows you to take legal action. You could potentially get up to $1,000 in damages and have your attorney’s fees covered. To claim the amount, the victim must have filed the lawsuit within 1 year of the incident.
Get empowered with Zemel Law’s dedicated team of debt collection lawyers in California. Let us advocate for you, ensuring fair treatment and resolution. Contact our debt collection harassment attorneys in New York, Massachusetts, and Washington County to safeguard your rights and stop the harassment – call us now at 862-271-2664 or visit zemellawllc.com!
FAQs
How can I determine if I'm a victim of debt collection harassment in California?
Are there time limits for filing a complaint against debt collectors in California?
How can I document instances of debt collection harassment to strengthen my case?
How can I stop debt collectors from bothering me?
If you’re dealing with debt harassment, the first step is to see a debt harassment attorney at Zemel Law. Our experienced lawyers will take various steps to put a stop to the harassment, including:
- Sending a written request for the debt collectors to stop contacting you.
- Keeping careful records of any harassing behavior.
- Filing a complaint with the Consumer Financial Protection Bureau (CFPB).
Does debt collection harassment hurt my credit score?
What damages can I pursue in a debt collection harassment lawsuit in California?
How can I verify if a debt collector is licensed to operate in California?
Client testimonials
If you're being hounded by debt collectors when you don't even owe a debt (and maybe even if you do), Daniel Zemel is the man to call.

Yoni Schreier
I was very happy with my experience with Mr Zemel. I am very grateful for his hard work on my behalf. I highly recommend him.

Anne Nafeh
Great experience overall having Daniel Zemel as my attorney. Daniel understands his client, very insightful and is an expert in his field. Truly a professional and marvelous individual.

Jojo Tameron
They took care of what I needed very efficiently! Highly recommend!

Jim Russo
Nothing but a pleasant experience. Very knowledgeable about the consumer protection laws. Prompt responses, and easy to work with. One of the very few lawyers that you don't have to pay money out of pocket to talk to or to hire. Highly recommend.

Ramsey Coulter
My wife and I have repeatedly been contacted by debt collectors for debts we did not owe. Mr. Zemel resolved the issues quickly and painlessly and not only did we not pay the debt collectors, they ended up paying us!

Jonathan Schreier
I rarely write reviews, I wouldn't be surprised if this is my first one ever.... But thats because this one was EARNED!
Zemel Law is the real deal. Great service, great knowledge of the law and overall good people.
I would highly recommend!

Henry Johnson
Zelel Law contacted me prior to me even realizing I was illegally being sued (and paying) on a prior debt. Less than a year later they had to contact me again to have me sign a release on an excellent settlement offer from the company that sued me. I agreed and am happy to say, this firm is by far one of a kind!

Alfonzo Roberts Jr.
I am so grateful to Daniel and his team! I was harassed (inappropriately) by a debt collector. He was very helpful, knowledgeable and responsive in handling my case. During the deposition I was nervous; though he was fantastic about being calming and engaging as well as relatable. He was able to get me an award that was above and beyond what I thought I was entitled to. Seriously, the BEST experience ever!!!

Leah Gee
I've been represented by Zemel Law several times and have had excellent experiences every time. They are extremely knowledgeable, attentive, responsive, and flexible. The lead attorney, Daniel, has a deep understanding of consumer law and was a pleasure to deal with. I strongly recommend Zemel Law for your legal needs.

A P
I've been represented by Zemel Law several times and have had excellent experiences every time. They are extremely knowledgeable, attentive, responsive, and flexible. The lead attorney, Daniel, has a deep understanding of consumer law and was a pleasure to deal with. I strongly recommend Zemel Law for your legal needs.

Chris Kelman
I've been represented by Zemel Law several times and have had excellent experiences every time. They are extremely knowledgeable, attentive, responsive, and flexible. The lead attorney, Daniel, has a deep understanding of consumer law and was a pleasure to deal with. I strongly recommend Zemel Law for your legal needs.

Sou Sintha
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