A Guide to the California Statute of Limitations on Debt
The Fundamentals of California Debt Collection Law
Debt Collection Laws in California are primarily derived from the California Rosenthal Fair Debt Collection Practices Act, Health and Safety Code Section 1310, and business and professions code section 17500 (the Unfair Competition Law). Each of these statutes has exceptions. In general, it is unlawful in California for to call someone repeatedly about an alleged debt. It is also unlawful to make repeated calls to consumers’ employers. The laws also prohibit other types of collection abuses such as making false threats, impersonating an attorney or law enforcement officer, using deceptive collection letters and telephone calls, making repeated calls, with the intent to annoy and harass, and using profane language. The purpose of the debt collection statutes is to prohibit tactics that embarrass , intimidate and harass consumers. California debt collection laws are designed to eliminate abusive practices related to debt collection. The laws were enacted to "prevent abusive, unfair and deceptive debt collection practices by professional or commercial debt collectors, as well as other persons who collect consumer debts for others…" They also were designed to "provide common understanding and greater protection for all consumer Californians regardless of their physical location within the State, in terms of making the laws applicable within California enforced uniformly throughout California, thereby removing the inequities created by the present variation in the application of the law to all consumers and collection agents throughout California…."
…