Legal Question in Credit and Debt Law in California

Re: Collection

Your rights are pretty limited. First, absent additional information, the collection agent does not appear to have done anything in violation of the law. If you don't pay the money you owe them, they have the right to take you to court and sue for the full amount due. In most instances, if you have reached a point of default where the entire amount due on the card is accelerated (all now due and payable under the terms of the credit card agreement) then they also have the right to demand the full amount paid now. They are not generally under any obligation to accept a payment plan.

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