If you owe a debt in California, you receive certain protections under the federal Fair Debt Collection Practices Act (FDCPA). This was codified in 1977 and prohibits debt collectors from practices that are considered dishonest, abusive or harassing. If you’ve been followed up by debt collectors, you may have experienced some or all of these strategies but you may not even be aware that they are unlawful under the terms of the FDCPA. Even though it’s over 50 years old, the creditor harassment protections that the FDCPA provides are powerful and far-reaching. You may even be able to claim damages if you have been subject to these unscrupulous practices.

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