It’s time to fight back.
Debt collectors are allowed to contact you. They are not allowed to threaten you, harass you, lie to you, embarrass you, or use fear to force a decision. If a collector is calling, writing, suing, or pressuring you, do not guess your way through it. Send it to Morning Law Group, we’re ready to help you fight back.
Have a question? Received a letter? Think a debt collector crossed the line?
Use the form below or call us directly.
You can also call us directly at (949) 484-8988
Monday to Friday: 6am–6pm PST
Dealing with Debt Collectors
When a debt collector calls, you may be asked to verify your identity (date of birth, address, and/or the last four digits of your Social Security number). This is normal. Debt collectors can get in trouble if they disclose information about your debt to someone else.
Once a debt collector confirms who you are, they must disclose the name of their company, that they are calling to collect a debt, and that any information you give them will be used to collect the debt.
Write down the name of the company, the date they called, and the phone number that called you.
If you have an attorney, give the collector your attorney’s name and phone number, then hang up. It is the debt collector’s job to take that information and stop calling you. If the collector continues trying to collect the debt or calls back, it could be a violation.
The best thing you can do for your case is take notes. Write down who called you, when they called, and what they said. If you receive a text, do not erase it. If you receive an email, do not delete it. If a debt collector does anything that does not seem right, call us to discuss it.
How the FDCPA Protects You
The law that gives you a way to fight back is called the FDCPA, the Fair Debt Collection Practices Act. When debt collectors lie, threaten, harass, shame you, or keep coming after you once they know you have a lawyer, they are not just being scary. They may be breaking the law.