After paying them off, I had not one, two but three agencies – consecutively, calling and sending me letters wanting me to pay up. I told them if I was to keep contacting me, I was going to take legal action as the bill was paid eons ago. Honestly, I wished I had now. I shouldn’t have even been in collections over a bill I had paid – a bill that shouldn’t have been sent on to a collection agency to begin with! I wished I had dug deeper into the legalities of the harassment as I was protected by the FDCPA.
The Fair Debt Collection Practices Act (FDCPA) enacted in 1978 protects creditors from abusive debtor harassment and provides consumers with a voice against unfair practices from debt collectors. It is important to know your rights against creditor harassment. You can stop collection harassment in California. Know your rights!