The Rosenthal Fair Debt Collection Practices Act (RFDCPA) is California’s state-specific debt collection law designed to protect consumers from abusive, deceptive, and unfair practices by debt collectors. This law works alongside the federal Fair Debt Collection Practices Act (FDCPA) to ensure that California residents have strong protections against predatory collection practices. The RFDCPA applies not only to third-party debt collectors but also to original creditors, offering broader coverage than federal law.
What Does the Rosenthal Act Protect You From?
The Rosenthal Act prohibits debt collectors and creditors from engaging in illegal practices, such as:
- Harassing phone calls, including repeated or excessive calls.
- Using threatening, obscene, or abusive language.
- Misrepresenting the amount owed or the legal status of a debt.
- Contacting you at inconvenient times, such as before 8 AM or after 9 PM.
- Discussing your debt with unauthorized third parties, including family members or employers.
- Attempting to collect debts you do not owe or debts that are beyond the statute of limitations.
How Consumer Rights Law Firm PLLC Can Help You
At Consumer Rights Law Firm PLLC, we are committed to standing up for individuals who have been subjected to unfair debt collection practices under the Rosenthal Act. If you are dealing with harassing phone calls, false claims about your debt, or any other unlawful behavior from a debt collector or creditor, we are here to fight for your rights.
Our Services Include:
Free Legal Representation:
You pay nothing out of pocket. We handle your case at no cost to you under the fee-shifting provisions of the Rosenthal Act, where the violating debt collector is required to cover your legal fees.
Holding Debt Collectors Accountable:
We will aggressively pursue justice on your behalf, ensuring that any violations of the Rosenthal Act are met with appropriate legal consequences.
Stopping Harassment Immediately:
Once you hire us, debt collectors must direct all communications to us. This gives you peace of mind while we work on resolving your case.
Recovering Compensation:
The Rosenthal Act allows you to recover statutory damages of up to $1,000, as well as compensation for any emotional distress or financial losses caused by the unlawful collection practices.
Take Action Today
You don’t have to endure harassment or fear from debt collectors any longer. The Rosenthal Fair Debt Collection Practices Act provides powerful protections, and we’re here to ensure those rights are enforced. Let our experienced team at Consumer Rights Law Firm PLLC handle the legal battle while you focus on reclaiming your peace of mind.
Contact us today for a free consultation and let us fight for your rights at absolutely no cost to you. Call us at (877) 700-5790 or fill out our online form to get started.