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Credit Repair

If you’re at a point where creditors are knocking on your door, it’s important to know what rights you have.

Know Your Rights

Got debt? Many consumers are faced with extreme debt. Some people who are facing debt are not able to file for bankruptcy. Quite often, consumers are sued by a collection agency for a debt they do not owe. Or the debt has already been paid. Or the debt is way beyond the statute of limitations.

When a debt collector calls, it’s important to know your rights and what you need to do. The FTC enforces the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Your credit card debt, auto loans, medical bills, student loans, mortgage, and other household debts are covered. Business debts are not. Debt collectors can’t contact you at inconvenient times or places. They can’t contact you before 8 a.m. or after 9 p.m., unless you agree to it. They also can’t contact you at work if they’re told you’re not allowed to get calls there.

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(805) 292-9000

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SANTA MARIA

705 East Main Street, Ste 203
Santa Maria, CA 93454

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1010 North "H" Street
Lompoc, CA 93436

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2950 Broad Street # 1007
San Luis Obispo, CA 93401