Consumer Law Office of
Robert Stempler, APC


Legal Representation for
Consumers in
California’s Courts

1-888-403-0039

• Collection Harassment
• Motor Vehicle Contracts
• Credit Card Debt
• Medical Collection
• Student Loan Lawsuit
Serving California Consumers
Any client testimonial or other result portrayed on this website was dependent on the facts of that case. Results will differ if based on different facts.
Any client testimonial or other result portrayed on this website was dependent on the facts of that case. Results will differ if based on different facts.
Any client testimonial or other result portrayed on this website was dependent on the facts of that case. Results will differ if based on different facts.

Know Your Rights

Congress enacted the Fair Debt Collection Practices Act (FDCPA) to stop abusive, deceptive, and unfair collection practices by debt collectors and debt collection attorneys towards consumers. If you may have been the victim of illegal practices by a debt collection agency, you may be entitled to have them pay for your actual damages and your attorney's fees, under the FDCPA. California has additional consumer protections, the Rosenthal Fair Debt Collection Practices Act, which also applies to harassment and abuse by the original creditor.

The FDCPA prohibits a debt collector from:

  • Calling the consumer debtor at an unusual place or an inconvenient time or after 9:00 pm and before 8:00 am, in the consumer’s time zone
  • Threatening the consumer, unless the debt collection agency is legally entitled to carry out the threat and actually intends to follow through
  • Telephone you at an unusual place or an inconvenient time
  • Calling the consumer's workplace, if his or her employer prohibits personal calls and the debt collector has been informed of this limitation
  • Disclosing information about your debt to third parties or online
  • Misrepresenting or failing to disclose their identity as a debt collector
  • Using violence or threatening any violence or remedy which they are not legally entitled to obtain
  • Using obscene or abusive language
  • Accusing the debtor of committing a crime or threatening criminal prosecution unless the debt is paid