Legal Question in Credit and Debt Law in California

The collection agency is likely a debt purchaser and now owns the debt. You can raise the issue of standing to sue you, however, it is pretty easy for them to overcome.

The Fair Debt Collection Practices Act and the California companion Rosenthal Fair Debt Collection Practices Act govern collection activity. How often they can call depends on several factors, including whether or not you are actually answering the calls.

Social Security cannot be attached directly, however, once in your hands (with a narrow exception), the money from Social Security can be levied. If, however, your social security check is electronically deposited into a bank account, that bank account has some limited protection from attachment by a creditor. They cannot, however, touch your money until they have a judgment.

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