Legal Question in Credit and Debt Law in California

Re: money owed

The collection agency may have violated the Federal and State Fair Debt Collection Act. We would like to review the letters you received and then can advise you.

Re: money owed

They are never allowed to harass you. If they are, you likely have a claim against them. The statute of limitations on a written contract is 4 years in CA. They can report it on your credit report for 7 years. Ostensibly they can send you letters demanding payment forever, but you can tell them to stop and they must.

Re: money owed

Do not speak to the CA. Do not pay or promise to pay anything. If sued, you will win, but you will need a lawyer with specific experience representing consumers in debt collection matters. The CA will likely be ordered to pay back your legal fees.