California FDCPA Lawyer

If you face financial difficulties and debt collectors are harassing you, you are not alone. Dealing with aggressive phone calls, threatening letters, and constant harassment can overwhelm you.

At Kazerouni Law Group, we understand this distressing situation, and we are here to help. Our team of experienced California FDCPA lawyers is dedicated to protecting your rights and stopping debt collection harassment.

Don't suffer in silence. Contact Kazerouni Law Group today, and let us fight for you.

California FDCPA Lawyer Guide

Why Choose Kazerouni Law Group

Dealing with debt collectors can be a stressful and intimidating experience. When you are already facing financial difficulties, the added burden of aggressive collection tactics can feel overwhelming.

That's where Kazerouni Law Group comes in.

As one of California's leading consumer protection law firms, we have a proven track record of securing over $1 billion for our clients. Our team of skilled and knowledgeable attorneys is dedicated to providing personalized legal representation to injured victims and their families.

Unlike other firms, our clients work directly with knowledgeable attorneys throughout their cases. We believe in building strong attorney-client relationships based on trust and open communication.

When you choose us, experienced attorneys who understand the intricacies of consumer protection laws will handle your case and fight tirelessly to protect your rights.

Dignity, Respect, and Individualized Attention

At Kazerouni Law Group, we prioritize treating every client with dignity and respect. We understand that dealing with financial difficulties and debt collection harassment can be emotionally challenging.

That's why we provide each client with individualized attention and tailored legal strategies. We take the time to listen to your concerns, answer your questions, and address your unique needs.

When you choose Kazerouni Law Group, you can expect to be treated with the utmost respect, compassion, and professionalism.

Free Case Evaluations

We understand your legal challenges and that you may have questions about your options. That's why we offer potential clients no-obligation, free case evaluations.

During this evaluation, our attorneys will review your case, assess the merits, and provide you with an honest assessment of your legal options. This allows you to make an informed decision about whether to proceed with legal action without incurring any initial costs.

Our goal is to empower you with knowledge and provide the guidance you need to navigate the legal process effectively.

Financial Accessibility

We believe that financial constraints should not limit access to justice. That's why at Kazerouni Law Group, we offer a no-win, no-fee policy for most cases.

With our contingency fee arrangements, our clients pay nothing until we win their case. We don't want financial considerations to prevent you from seeking the justice you deserve. Our commitment to financial accessibility ensures you can access quality legal services without any financial risk.

National Reputation as Consumer Advocates

Our firm has developed a national reputation as one of the most challenging consumer advocates in the country. We handle cases nationwide and have successfully represented clients in complex consumer protection lawsuits.

Our firm's commitment to achieving justice for our clients is unwavering, and we go above and beyond to fight for their rights. With our extensive experience and innovative litigation strategies, you can trust that your case is in capable hands when you choose Kazerouni Law Group.

Our Orange County office is conveniently located east of John Wayne Airport at:

245 Fischer Avenue, Suite D1
Costa Mesa, CA 92626

You will find our San Diego office south of I-8 and northeast of Old Trolley Barn Park at:

2221 Camino del Rio South, Suite 101
San Diego, CA 92108

Understanding the FDCPA

Dealing with debt collectors can be stressful, especially when they cross the line into harassment or illegal behavior. Fortunately, both federal and state laws regulate debt collection practices and protect California residents.

One of the most important laws is the Fair Debt Collection Practices Act (FDCPA), which provides consumers with rights and recourse against abusive, deceptive, and unfair debt collection practices. For California residents, working with a qualified FDCPA lawyer can stop harassment and recover damages.

The Fair Debt Collection Practices Act (FDCPA) is a federal law enacted in 1977. While it applies nationwide, California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) enhances these protections for California residents.

These laws ensure that debt collectors treat consumers fairly and allow them to seek legal recourse if debt collectors violate their rights.

Key Protections Under the FDCPA

  • No Harassment or Abuse: Debt collectors cannot harass you with excessive calls, threats, or abusive language.
  • Truthful Representation: Debt collectors must provide accurate information about your debt and cannot make false statements or threats.
  • Written Validation: Collectors must provide a written notice validating the debt within five days of their initial contact.
  • Restricted Contact: The law prohibits collectors from contacting you at inconvenient times or locations, such as at your workplace or late at night.
  • Privacy Protections: Debt collectors cannot discuss your debt with unauthorized third parties.

In addition to these federal protections, California’s RFDCPA extends similar rules to original creditors, ensuring even greater consumer protection.

Common FDCPA Violations in California

When debt collectors try to collect the money you allegedly owe, they sometimes break federal and state consumer protection laws. These laws protect you from unfair practices, and knowing your rights helps you spot when collectors cross the line.

Many collectors resort to harassment - calling repeatedly just to annoy you, using threats or bad language, or even suggesting they might hurt you. Others try to deceive by lying about how much you owe, pretending to be lawyers or government officials, or making empty threats about lawsuits they can't actually file.

The timing and method of contact also matter. Collectors aren't allowed to call early in the morning or late at night without permission. If they know you can't take calls at work, they must stop calling you there. And if you tell them in writing to stop contacting you altogether, they legally must comply.

Debt collectors have specific duties too. They must validate the debt if you ask, which means they have to send you written details about your debt. The information they need to send includes the amount, who you originally owed it to, and your right to dispute it.

They can't arbitrarily add extra fees or interest beyond what's in your original agreement or allowed by law.

If a debt collector does any of these things, protect yourself. Remember, laws exist to ensure fair treatment during debt collection, so don't hesitate to assert your rights when collectors step out of line.

Why You Need a California FDCPA Lawyer from Kazerouni Law Group

When debt collectors overstep legal boundaries, our experienced attorneys step in as your advocates. We understand the stress and anxiety that harassment causes, which is why we focus on both stopping the abuse and securing compensation for violations.

Our team brings years of specialized knowledge to your case. We've successfully handled hundreds of FDCPA violations, staying current with evolving regulations and precedents. This expertise means we catch subtle violations that could significantly strengthen your case.

Evidence Collection

Building a strong case requires thorough documentation. We analyze phone logs to establish patterns of harassment, review all written communications for violations, and gather witness statements. Our systematic approach will overlook no detail.

Stopping Harassment

When you retain our services, collectors must direct all communication through our office. This legal shield gives you immediate peace of mind and prevents further violations while we build your case.

Filing Complaints and Lawsuits

We know which legal strategies work best for different situations. We can file complaints with the Consumer Financial Protection Bureau (CFPB), California Department of Consumer Affairs, or pursue litigation. Our experience with both federal and state regulations helps maximize your chances of success, whether through regulatory action or court proceedings.

Seeking Compensation

Beyond the $1,000 statutory damages per violation, we pursue full compensation for emotional distress and financial impact. We've helped clients recover damages for anxiety, lost work time, and other harm caused by unlawful collection practices.

Document Everything

Create a detailed record of every interaction - save voicemails, screenshot text messages, and log calls with times and dates. This documentation becomes crucial evidence in building your case.

Request Debt Validation

Timing matters when requesting debt validation. We ensure your request meets all legal requirements and establishes a paper trail that protects your rights.

Notify the Debt Collector

Written notifications carry legal weight. We help craft clear, documented communications that establish boundaries and lay groundwork for future legal action.

File a Complaint

Strategic complaints to regulatory agencies can add pressure on collectors while strengthening your case. We handle this process to properly file and document complaints.

Consult a California FDCPA Lawyer

During your consultation, we'll review your situation in detail and outline specific strategies for your case. This is your opportunity to ask questions and understand exactly how we can help protect your rights.

The Benefits of Hiring a California FDCPA Lawyer from Our Firm

Immediate Relief from Harassment

Once you hire a lawyer, debt collectors must cease direct communication with you. This provides immediate peace of mind.

Experience in Consumer Protection Laws

Our California FDCPA lawyers are well-versed in navigating the intricacies of debt collection laws and can identify violations you might not recognize.

Maximizing Compensation

Your lawyer will ensure you receive all available damages, including statutory penalties, reimbursement for financial harm, and compensation for emotional distress.

Frequently Asked Questions About California FDCPA Lawyers

How Do I Know If I Have an FDCPA Case?

If a debt collector harassed you, made false statements, or violated your rights in any way, you may have a case. Our California FDCPA lawyers can evaluate your situation and determine if it warrants legal action.

How Long Do I Have to File a Lawsuit?

The FDCPA has a statute of limitations of one year from the date of the violation. Act quickly to preserve your rights. Contacting a California FDCPA lawyer from our firm as soon as you suspect you might have a case will help ensure you meet all deadlines that apply to your case.

Can I Sue if the Debt is Legitimate?

Yes. Even if you owe the debt, collectors must follow the law. Violations of the FDCPA are actionable regardless of whether the debt is valid. Debt collectors must follow the law when collecting debts, no matter what. When they fail to do so, you can hold them accountable and they can face consequences.

How to Choose the Right California FDCPA Lawyer

  • Consider Experience: Look for a lawyer with a proven track record in FDCPA and RFDCPA cases. Their experience will help build a strong case.
  • Check Client Testimonials: Read reviews and testimonials to gauge the lawyer’s professionalism and success rate.
  • Expect Clear Communication: Choose a lawyer who is responsive, transparent, and takes the time to explain your options.
  • Understand their Fee Structure: Ensure the lawyer offers a contingency fee arrangement so you don’t have to worry about upfront costs.

Contact a Seasoned California FDCPA Lawyer at Kazerouni Law Group Today

Abbas Kazerounian, Consumer Protection Lawyer
Abbas Kazerounian, California FDCPA Lawyer

California consumers have robust protections under the FDCPA and RFDCPA, but enforcing these rights requires professional legal involvement. If you face debt collector harassment, a seasoned California FDCPA lawyer can stop the abuse, assert your rights, and recover damages.

If you are in California and are facing debt collection harassment, seek the assistance of a knowledgeable California FDCPA lawyer at our firm. Kazerouni Law Group has a team of dedicated attorneys ready to fight for your rights.
Contact us today at (949) 612-9999 for your free case evaluation and let us put an end to debt collection harassment. Don't let aggressive collectors push you around. Take action and reclaim your financial stability with the support of Kazerouni Law Group.