WHEN DEBT COLLECTORS PLAY DIRTY, YOU DON’T HAVE TO PLAY ALONG—Know Your Rights and Push Back with Power
Dealing with harassing or unfair credit card debt collection in California?
Learn when it's time to contact R23 Law’s California Consumer Protection Attorneys to fight back and protect your rights under the FDCPA.
The Debt is Disputed, But They Keep Calling—Now What?
Dealing with credit card debt you don’t actually owe—or already paid—can feel like financial whiplash. Unfortunately, debt collectors don’t always play by the rules. If you’re being harassed for money you don’t owe or are facing an unjust lawsuit, it may be time to level the playing field with R23 Law’s California Consumer Protection Attorneys.
Many Californians are unaware of the legal tools at their disposal to fight abusive debt collection tactics. The truth? You don’t have to tolerate bullying, threats, or misleading tactics. Here’s what you need to know—and how R23 Law can step in and protect your rights.
🚨 Why Credit Card Debt Becomes a Legal Minefield
Credit card debt that gets sent to collections often changes hands multiple times. Original creditors might write it off for accounting purposes, then sell it to debt buyers for pennies on the dollar. These buyers are notorious for:
Lacking accurate records
Suing consumers without sufficient evidence
Pressuring you into paying just to “make it go away”
If a debt collector sues you over a debt you don’t recognize or never owed, you could end up with a judgment that allows garnishment of wages, seizure of bank accounts, or worse. You need legal firepower on your side before that happens.
🧷 What Debt Collectors Can't Legally Do (But Often Try Anyway)
Under the Fair Debt Collection Practices Act (FDCPA), collectors are not allowed to:
Call you before 8 a.m. or after 9 p.m.
Speak to anyone about your debt except your spouse (or legal equivalent)
Threaten you with jail or violence
Misrepresent themselves (e.g., claim to be lawyers when they are not)
Try to collect debt that’s invalid, expired, or already discharged
If any of this sounds familiar, you may already have a legal claim. And if the collector violated your rights, they may be required to pay you—not the other way around.
⚖️ When Can You Legally Dispute a Credit Card Debt?
You have the right to dispute the validity of a debt in several common situations:
You’ve already paid it or settled it
The amount they claim is incorrect
The debt is so old it’s past the statute of limitations
You were a victim of identity theft
The original creditor never authorized the charges
The collector cannot produce documentation supporting the debt
R23 Law’s attorneys can demand validation, dispute inaccuracies, and even file lawsuits against collectors who violate your rights.
🛑 Fighting Back: You Don’t Pay Unless You Win
Here’s what makes working with R23 Law unique: you don’t have to pay anything upfront. In most debt defense and FDCPA cases, our attorneys only get paid if we win for you—either by settlement or court judgment.
Damages You May Be Entitled To Include:
Up to $1,000 in statutory damages under the FDCPA
Compensation for emotional distress
Recovery of attorney's fees and legal costs
Potential additional damages under California’s Rosenthal Act
🧩 Identity Theft & Debt? You May Be Sued for Someone Else’s Charges
One of the most dangerous forms of unjust debt collection is when collectors come after you for charges related to identity theft. In California, you are not responsible for debts opened fraudulently in your name. But that doesn’t stop unscrupulous debt buyers from trying.
If you’re dealing with this type of issue, R23 Law’s California Identity Theft Victim Lawyers can immediately step in, protect your rights, and even take action to have the debt removed and your credit repaired.
🏛️ What R23 Law’s California Consumer Protection Attorneys Do
We don’t just negotiate—we litigate.
When you hire R23 Law, we can:
File cease-and-desist letters to stop collection calls
Demand proper documentation of the alleged debt
Dispute credit report entries
File lawsuits for illegal debt collection practices
Defend you in lawsuits filed by debt collectors
💬 Don’t Let Debt Collectors Call the Shots
If you're being contacted about a debt you don’t owe—or being treated unfairly in the collection process—you don’t have to go through it alone. R23 Law’s California Consumer Protection Attorneys are here to help you fight back, assert your rights, and reclaim your financial peace.
📞 Schedule your free consultation today
📍 Offices throughout California | 💬 Multilingual services available
Let R23 Law put the law back on your side.
