If you have suffered harassment by debt collectors, Lakeshore Law Center debt collection harassment attorneys are here to help you. We have helped countless individuals in Yorba Linda, Los Angeles, San Francisco, San Diego, Santa Ana, and surrounding California communities. We will ensure that your rights are protected and that the harassing debt collectors are held accountable for their actions under the Fair Debt Collection Practices Act.

Know Your Rights

Several federal and state laws protect consumers from abusive practices by debt collectors. If a creditor or collection agency has violated your rights under the FDCPA, you may be entitled to compensation for the resulting damages. If a collector violates the Fair Debt Collection Practices Act (FDCPA), debt collection attorneys can assess your case and calculate the damages you may be entitled to.

Lakeshore Law Center

Lakeshore Law Center is one of the premier consumer protection law firms in the United States. We provide exceptional legal representation, and we have successfully represented consumers nationwide in class action lawsuits against some of the world’s largest debt collectors and creditors.

Experience and Expertise You Can Trust

We have over two decades of experience fighting on behalf of clients whom creditors and debt collectors have harassed. Our consumer rights attorneys are highly knowledgeable about all applicable laws governing the conduct of lenders and debt collectors. We will help you understand your rights under the law, including how to stop creditor harassment.

Help Build Your Case

Most of our consumer rights cases settle out of court, but if your case does go to a trial, we are prepared to fight for your rights in a court of law. No matter where you live in the state of California, we have the resources and experience necessary to get justice for you. You must demonstrate that the creditor or debt collector violated one of your rights as a consumer under federal law.

We will use our extensive knowledge of consumer protection laws to your advantage to recover the compensation you deserve for the following:

• Illegal debt collection practices like harassment, deception, or misrepresentation
• Debt collector threats of arrest or lawsuits for non-payment of debts
• Legal fees, court costs, and other expenses associated with a creditor lawsuit
• Contacting third parties about your debt like a family member, friend, or employer (unless it is an attorney or spouse)
• Calling you at inconvenient times, such as before 8 am or after 9 pm
• Calling you so frequently that it could be considered harassment or abuse
• Using profane language during communications or calling you names or insults
• Threatening violence or harm during communications

We Protect Your Rights

Our debt collection harassment attorneys are experienced in helping individuals assert their rights and stand up to harassment from unscrupulous creditors and debt collectors who violate federal law. Don’t allow bullies to get away with this behavior. Our debt collection harassment attorneys will also ensure you receive the compensation you deserve for any losses or damages incurred by their illegal practices.

Call Us Today—We Can help

If you’ve been receiving harassing phone calls, text messages, emails, or letters from a creditor or debt collector, Lakeshore Law Center can help. If you’re a resident of California in the communities of Yorba Linda, Los Angeles, San Francisco, San Diego, or Santa Ana, call us at (714) 854-7205 today to schedule an appointment.

If you have struggled to fix your credit on your own, you may wonder if credit repair litigation is the right option. Getting your credit report cleaned and improving your credit score is the most important requirement in credit repair litigation. There are four laws you can use to win your case.

Fair Credit Reporting Act (FCRA)

The FCRA dictates that credit reporting agencies (CRA) provide accurate information in their reports to lenders. This law also requires that creditors share their data with the CRA and that they only provide accurate information. Finally, this law gives consumers the right to add a dispute note to any inaccurate item on their reports. Any creditor or CRA refusing to honor this provision is breaking the law.

The FCRA gives consumers certain rights regarding their credit reports. For instance, each year, Experian, Equifax, and TransUnion should make a free credit report available for you. The FCRA allows consumers to file suit against a CRA for violating this law, which means you can take them to court for not removing inaccurate information from your report. It also allows you to sue for damages, meaning you might be able to get monetary compensation when a CRA breaks this law.

Fair Credit Billing Act (FCBA)

The FCBA protects consumers from credit report errors and gives them access to information about the errors. It’s also the foundation for credit repair litigation, aiming to get the best possible outcome for consumers whom the credit bureaus have wronged.

If you find that your score has been damaged because of inaccurate information on your report, it’s possible to challenge errors in FCBA compliance. If a creditor reports inaccurate or outdated information, you have the right to dispute this error with the three credit bureaus in writing.

Truth in Lending Act

This act protects consumers from unfair billing practices and requires creditors to disclose debt information clearly and concisely. This includes disclosing interest rates, fees, and other related charges by creditors for credit cards, personal loans, and mortgages.

This act also requires creditors to notify consumers of any changes to their accounts that may impact their ability to pay off their debt.

If your lender fails to meet these requirements, they can be held liable in court under this act. However, if you can prove that they violated these requirements, your lawyer could be entitled.

Fair Debt Collection Practices Act (FDCPA)

Consumers are protected against obnoxious debt collectors under the FDCPA. The act sets out several rules that debt collectors must abide by, including the requirement to contact the debtor only once per week and the prohibition of contacting the debtor at work. The Fair Debt Collection Practices Act permits you to sue debt collectors for damages if they violate your rights.

We Can Help with Your Credit

If you’re struggling to remove inaccurate, unfair, or unverified items from your credit report, then credit repair litigation may be the answer for you. Lakeshore Law Center is a law firm that specializes in credit repair litigation and is based in California. If you’re a resident of California in the communities of Yorba Linda, Los Angeles, San Francisco, San Diego, or Santa Ana, call us at (714) 854-7205 today to schedule an appointment.