DEBT DISPUTES MADE EASY — Shut Down Shady Collectors
Discover how to dispute a debt under federal and California law.
Know Your Rights—R23 Law’s Consumer Protection Attorneys Take Action Against Debt Harassment and Credit Errors.
Debt collection calls can be intimidating, especially when you’re unsure if you even owe the debt in question.
Fortunately, consumers in California have powerful protections under federal and state law. At R23 Law, our California Consumer Protection Attorneys help clients fight back against unfair debt collection practices and inaccurate credit reporting.
Here’s everything you need to know about disputing a debt and asserting your rights.
Your Rights Under the FDCPA and California Law
The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits how debt collectors may interact with consumers. It prohibits harassment, false claims, and misleading information. In California, the Rosenthal Fair Debt Collection Practices Act adds further protections by applying these rules to original creditors as well.
You have the right to:
Receive a free annual credit report to review for errors.
Dispute inaccurate debts reported to credit bureaus.
Demand debt verification from collectors within 30 days of first contact.
Sue collectors who violate your rights under the FDCPA.
If a debt collector crosses the line, R23 Law’s California Consumer Protection Attorneys can help you take legal action, potentially recovering statutory damages, emotional distress compensation, and attorney’s fees.
What Debt Collectors Must Disclose
When a debt collector first contacts you, they’re legally required to provide a “validation notice.” This includes:
The name of the creditor and the amount owed
An itemized breakdown of the debt (principal, interest, fees)
A statement of your right to dispute the debt within 30 days
Instructions on how to dispute it in writing
If they fail to provide this, or the debt is not yours, you can file a dispute. Doing so forces the collector to pause collection efforts until verification is provided.
Valid Reasons to Dispute a Debt
You may dispute a debt if:
You do not owe the debt
The amount is incorrect
You already paid it
It belongs to someone else (e.g., identity theft)
The statute of limitations has expired
Remember, even if the collector insists the debt is valid, you can still dispute it with the credit bureau, and the debt must be marked as “disputed” on your report. This helps protect your credit score from further damage.
Stop Collection Efforts Fast: Act Within 30 Days
You have 30 days after receiving the initial debt notice to dispute the debt in writing. If you file within this period, the collector must stop contacting you until they’ve provided verification.
Always dispute in writing—preferably by certified mail with a return receipt. Keep a copy for your records. This paper trail is essential if you later need to take legal action.
When a Debt Collector Breaks the Law
If a debt collector:
Lies about the amount you owe
Calls at all hours or threatens legal action they can't take
Contacts you after you’ve sent a cease communication letter
Fails to verify a disputed debt
You may have a strong case under the FDCPA. R23 Law's California Consumer Protection Lawyers have extensive experience in FDCPA lawsuits and can help you pursue damages—including up to $1,000 in statutory relief, actual damages, and punitive compensation for willful violations.
Why You Need a California Debt Dispute Lawyer
Navigating debt collection laws can be complex. With R23 Law on your side, you gain:
A team of California debt defense attorneys with deep knowledge of FDCPA, Rosenthal Act, and credit reporting laws
Support in disputing debts and removing invalid entries from your credit report
Skilled litigators who can file individual or class action suits against abusive collectors
Best of all, many of our services are offered on a contingency basis—you pay nothing unless we win your case.
Contact R23 Law Today
If you’re facing aggressive debt collection or have discovered an error on your credit report, don’t wait. Speak with R23 Law’s California Consumer Protection Attorneys today for a free consultation. Let us help you protect your rights, your credit, and your peace of mind.
Take a Stand Against Unfair Debt Claims with R23 Law Consumer Protection Attorneys!
📞 Contact Us for a Free Consultation.
