State of California California Department of Consumer Affairs

Debt Collection help

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DEBT COLLECTION HELP

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All debt collection regulations in California were sunset (shut down) in 1992. There is currently no state agency that accepts consumer complaints and mediates/investigates individual complaints.


The best recourse today is for consumers to file a complaint with the Federal Trade Commission (FTC) and the Attorney General’s office. They don’t act on individual consumer complaints but do look at trends and file large cases. Consumers should also contact their local Beter Business Bureau or District Attorney’s office, as some of them have mediation programs.



Basic debt collection information for consumers:

1. If a consumer owes money, they can contact the company and try to work out a payment plan.

2. Don’t ignore letters and communications.

3. Seek self-help resources as soon as possible and avoid further damage to their credit rating.

4. Report illegal threats.

5. To stop debtors from harassing calls/communications consumers can send them a “cease and desist” demand letter, which requires that debt collector to stop their communications, or to communicate with their attorney if they have one.



Here are some helpful websites with more information:

Federal Trade Commission sites:

www.ftc.gov/bcp

www.ftc.gov/os

www.ftc.gov/multimedia

www.ftc.gov/opa

www.ftc.gov/opa/2010/01/academy

www.ftc.gov/bcp

business.ftc.gov

www.ftc.gov/opa/2009

www.ftc.gov/multimedia

www.ftc.gov/opa/2009/07/oxford

www.ftc.gov/bcp/menus

www.ftc.gov/opa/1996


Golden Gate BBB


goldengate.bbb.org

goldengate.bbb.org/article/widespread

goldengate.bbb.org/article/ftc

goldengate.bbb.org/article/ftc---for-people-on-debt-management-plans

goldengate.bbb.org/article/ftc---knee-deep-in-debt

goldengate.bbb.org/article/ftc---fiscal-fitness-choosing-a-credit-counselor

goldengate.bbb.org/article/new-laws-go-into-effect-to-fight-deceptive-debt-relief


Public Good Law Center

publicgoodlaw.org


DCA LA County

dca.lacounty.gov


Attorney General’s Office

ag.ca.gov/consumers

ag.ca.gov/newsalerts

BBB Southland

www.la.bbb.org


California and Nevada Credit Union League

education.ccul.org



Consumer Action

www.consumer-action.org/downloads/english/CA_News_winter

www.consumer-action.org/helpdesk/articles/debt_collectors

action.org/helpdesk/articles/what_can_i_do_if_im_being_harassed_by_a_collection_agency/ www.consumer action.org/helpdesk/articles/what_can_i_do_if_im_being_harassed_by_a_collection_agency

action.org/index.php/alerts/articles/arbitration_doesnt_shield_debt_collectors_from_liability www.consumer-action.org/index.php/alerts/articles/arbitration

www.consumer-action.org/news/articles/ftc_proposes_new_rules_for_collecting_debt_from_dead_people

www.consumer-action.org/press/articles/robo-signing_at_debt_collection_companies

www.consumer-action.org/alerts/articles

www.consumer-action.org/press/articles/consumer_groups_warn_of_debt_settlement_trap

www.consumer-action.org/english/articles/the_fair_debt_law_eng

www.consumer-action.org/english/articles

www.consumer-action.org/news/articles/collecting

www.consumer-action.org/helpdesk

www.consumer-action.org/news


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