Section 806 of the Fair Debt Collection Practices Act states in part that a debt collector may not harass, oppress, or abuse any person in connection with the collection of a debt. One example of such activity involves using threats (including implied threats), violence, or other criminal means to harm anyone's reputation, property, or physical person.
Title: Riverside, California — Protecting Debtors from Harassment or Abuse by Debt Collectors Introduction: Riverside, California, is a vibrant city located in the heart of the Inland Empire region. Known for its Mediterranean climate, rich history, and diverse population, Riverside is a hub for education, culture, and economic activity. However, like any other city, its residents may face difficulties such as dealing with debt collectors. If you find yourself in a situation where a debt collector is resorting to harassment or abuse involving threats of violence or other criminal means to harm your physical person, reputation, and/or property, take action to protect your rights. Types of Riverside California Letters Informing Debt Collectors of Harassment or Abuse: 1. Letter Addressing Threats of Violence: If a debt collector has threatened to use violence against you, it is crucial to notify them in writing about their unacceptable behavior. In your letter, address the specific threats made and clearly state that such harassment is a violation of your rights as a debtor. Mention the relevant laws and regulations that safeguard debtors against abusive collection practices, such as the Fair Debt Collection Practices Act (FD CPA) and California's Rosenthal Fair Debt Collection Practices Act (RFD CPA). 2. Letter Addressing Threats to Reputation: If a debt collector is making false claims or attempting to defame your character and reputation during the debt collection process, it is essential to inform them about the harassment. Outline the specific instances where your reputation was targeted, provide evidence, and reference the aforementioned laws to emphasize that such actions are illegal. Highlight the potential consequences they may face for any further harassment. 3. Letter Addressing Threats to Property: If a debt collector threatens to harm your property or engage in criminal activities, promptly inform them of their illegal behavior. Include detailed descriptions of the threats made and specify the potential damage to your property. Clearly state that you will not tolerate such actions and are prepared to take legal action to defend your rights. Key Legal Protections to Reference in the Letters: 1. Fair Debt Collection Practices Act (FD CPA): Highlight the provisions of this federal law that prohibits debt collectors from using abusive, unfair, or deceptive practices in collecting debts. 2. Rosenthal Fair Debt Collection Practices Act (RFD CPA): Emphasize the protections this California state law provides to debtors, which mirror many of the FD CPA's provisions but extends coverage to non-profit debt counselors and creditors collecting on their behalf. Conclusion: Riverside, California, fosters a community that values the fair treatment and protection of its residents. If you experience harassment or abuse from debt collectors involving threats of violence or other criminal means, be proactive in addressing the issue. By writing a detailed letter informing debt collectors of their misconduct and referencing relevant laws, you can reinforce your rights as a debtor and seek appropriate action to stop the harassment. Remember, you deserve to be treated with respect and dignity during the debt collection process.Title: Riverside, California — Protecting Debtors from Harassment or Abuse by Debt Collectors Introduction: Riverside, California, is a vibrant city located in the heart of the Inland Empire region. Known for its Mediterranean climate, rich history, and diverse population, Riverside is a hub for education, culture, and economic activity. However, like any other city, its residents may face difficulties such as dealing with debt collectors. If you find yourself in a situation where a debt collector is resorting to harassment or abuse involving threats of violence or other criminal means to harm your physical person, reputation, and/or property, take action to protect your rights. Types of Riverside California Letters Informing Debt Collectors of Harassment or Abuse: 1. Letter Addressing Threats of Violence: If a debt collector has threatened to use violence against you, it is crucial to notify them in writing about their unacceptable behavior. In your letter, address the specific threats made and clearly state that such harassment is a violation of your rights as a debtor. Mention the relevant laws and regulations that safeguard debtors against abusive collection practices, such as the Fair Debt Collection Practices Act (FD CPA) and California's Rosenthal Fair Debt Collection Practices Act (RFD CPA). 2. Letter Addressing Threats to Reputation: If a debt collector is making false claims or attempting to defame your character and reputation during the debt collection process, it is essential to inform them about the harassment. Outline the specific instances where your reputation was targeted, provide evidence, and reference the aforementioned laws to emphasize that such actions are illegal. Highlight the potential consequences they may face for any further harassment. 3. Letter Addressing Threats to Property: If a debt collector threatens to harm your property or engage in criminal activities, promptly inform them of their illegal behavior. Include detailed descriptions of the threats made and specify the potential damage to your property. Clearly state that you will not tolerate such actions and are prepared to take legal action to defend your rights. Key Legal Protections to Reference in the Letters: 1. Fair Debt Collection Practices Act (FD CPA): Highlight the provisions of this federal law that prohibits debt collectors from using abusive, unfair, or deceptive practices in collecting debts. 2. Rosenthal Fair Debt Collection Practices Act (RFD CPA): Emphasize the protections this California state law provides to debtors, which mirror many of the FD CPA's provisions but extends coverage to non-profit debt counselors and creditors collecting on their behalf. Conclusion: Riverside, California, fosters a community that values the fair treatment and protection of its residents. If you experience harassment or abuse from debt collectors involving threats of violence or other criminal means, be proactive in addressing the issue. By writing a detailed letter informing debt collectors of their misconduct and referencing relevant laws, you can reinforce your rights as a debtor and seek appropriate action to stop the harassment. Remember, you deserve to be treated with respect and dignity during the debt collection process.
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.
