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It regulates the conduct of ?debt collectors.? The California statute prohibits numerous deceptive, dishonest, unfair and unreasonable debt collection practices by debt collectors, and it also regulates the form and content of communications by collectors to debtors and others.

Consumer Credit and the Removal of Medical Collections from Credit Reports. The three nationwide consumer reporting companies announced the removal of medical collections under $500 from consumer credit reports on April 11, 2023.

Who is required to submit an application? All debt collectors and debt buyers operating in California are required to apply for a license with the Department. A license is required for the licensee's principal place of business and cannot be transferred or assigned.

California Coerced Debt: California SB 975, for debts incurred after July 1, 2023, requires a collector to cease collection until it completes a review when the debtor provides documentation and a sworn statement that the debt was coerced. A person who coerces a debt is civilly liable.

Harassment of the debtor by the creditor ? More than 40 percent of all reported FDCPA violations involved incessant phone calls in an attempt to harass the debtor.

Send a formal demand letter. This document states the amount of money owed and gives the customer a specific timeframe to pay it back. If you don't receive payment after sending a demand letter, you can proceed with sending the account to collections. Choose a collections agency.