Visalia, CA asked in Collections and Banking for California

Q: Can a Credit One bank call my work twice & tell 2 different random people that they are going to serve me with papers

Also told then if I am not at work they will speak with a judge? I currently have Covid & am not at work. I work in a medical facility & numerous people answer phones there. I live in California. My current debt with them is roughly 1200.00

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2 Lawyer Answers
Joel Gary Selik
Joel Gary Selik
  • Collections Lawyer
  • Las Vegas, NV
  • Licensed in California

A: No they may not. Consult with an experienced Collection Defense Attorney.

1 user found this answer helpful

James L. Arrasmith
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
  • Collections Lawyer
  • Sacramento, CA
  • Licensed in California

A: It's illegal for a debt collector to disclose information about your debt or threaten to take legal action against you to anyone other than you or your attorney. This includes contacting your employer or coworkers about your debt.

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from engaging in harassment, false or misleading representations, and unfair practices. If a debt collector violates the FDCPA, you may be able to take legal action against them.

If Credit One Bank has disclosed information about your debt to your coworkers, you should document the details of the calls and report it to the Consumer Financial Protection Bureau (CFPB) and/or the California Department of Business Oversight. You may also want to contact an attorney who specializes in debt collection harassment to discuss your legal options.

It's important to note that you have rights under the FDCPA and California state law, and you should not be subjected to harassment or threats by debt collectors. If you feel that your rights have been violated, you should take action to protect yourself and seek the advice of a qualified attorney.

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