Debt Collections San Jose CA

Both state and federal laws protect consumers from unfair debt collection practices.

Local Companies

Hassle Free Small Claims & Collection Service
(408) 379-4700
1160 Homestead Road
Santa Clara, CA
Bay Area Credit Services
(408) 904-1720
2860 Zanker Rd
San Jose, CA
Statewide Credit Services
(408) 223-6968
2690 S White Rd
San Jose, CA
Amerivest Corp
(408) 293-6910
1190 S Bascom Ave
San Jose, CA
Credit Evaluation Services
(408) 241-2277
2901 Moorpark Ave Ste 125
San Jose, CA
Kkr Credit Corporation
(415) 315-3620
555 California St Fl 50
San Francisco, CA
Debtors Anonymous
(949) 224-5009
Irvine, CA
Credit Counseling Center
(949) 470-1701
23792 Rockfield Blvd
Lake Forest, CA
Consumer Credit Counseling Service of Kern County
(661) 725-0199
Bakersfield, CA
Perfect Credit Plus
(323) 750-7170
7526 Crenshaw Blvd
Los Angeles, CA

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Both state and federal laws protect consumers from unfair debt collection practices.


Debt collection by telephone

A debt collector may contact you by phone only at convenient times - that is generally interpreted to mean between 8:00 a.m. and 9:00 p.m.
Debt collection by mail

Your financial affairs are private. A collection agency may not communicate with you by postcard, because then anyone could read the message.

An envelope from a collection agency must contain neither language nor symbols to indicate that the communication relates to the collection of a debt.


Can I stop a collection agency from contacting me?

If you do not want the debt collector to contact you at all, you can simply:

  • Notify them in writing that you refuse to pay; or
  • Notify them in writing that you want them to stop all further communication; or
  • Notify them of the name of your lawyer and tell them to communicate only with your lawyer.

Harassment by collection agencies

Federal law prohibits collection agencies from:

  • Making threats
  • Using obscene or profane language
  • Publishing lists of "deadbeats," and
  • Making harassing phone calls

Violators are subject to penalties of up to $1,000 per violation (which go to the government).

If you believe a collection agency has violated your rights, contact the Federal Trade Commission or see a lawyer who specializes in consumer rights.


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Featured Local Company

Hassle Free Small Claims & Collection Service

(408) 379-4700
1160 Homestead Road
Santa Clara, CA
www.hasslefreeprocess.com