Source: http://southwestdefense.com/RFDCPA.html
Timestamp: 2018-11-18 09:47:59
Document Index: 283965902

Matched Legal Cases: ['§ 1788', '§ 1788', '§ 1788', '§ 1788', '§ 1788', '§ 1788', '§ 1788', '§ 1788']

RFDCPA As Annotated By Hyde & Swigart
Note that under California's RFDCPA, § 1788.2(c), and unlike the federal FDCPA, original creditors are debt collectors.
Further, and again unlike the federal FDCPA, § 1788.2(c) states that debts are not merely "money," but "property or their equivalent."
§ 1788.12 states that a debt collector may not contact your employer more than one time by phone.
A debt collector may not contact your employer to "effect garnishment" unless there is a judgment in place. Judgments require an order from the court.
§ 1788.14(a) states that a debt collector may not try to get a person who has declared backruptcy to reaffirm the debt with tell him he is not legally obligated to reaffirm.
§ 1788.15(a) states that a debt collector cannot take you to court when he knows you have not been properly served.
§ 1788.1(b) states that a debt collector cannot sue you in a county other than where the was incurred or where you currently reside.
RFDCPA & FDCPA
§ 1788.17 states that a violation of the FDCPA is also a violation of the RFDCPA, with a couple of minor exceptions regarding original creditors.
If a debt collector violates the FDCPA and the RFDCPA, both, the consumer can collect double statutory damages.
Rosenthal Fair Debt Collections Practices Act (With Notes)
California Civil Code §§ 1788 et seq.
(c) The term "debt collector" means any person who, in the ordinary course of business, regularly, on behalf of himself or herself or others, engages in debt collection. The term includes any person who composes and sells, or offers to compose and sell, forms, letters, and other collection media used or intended to be used for debt collection, but does not include an attorney or counselor at law.
(f) The terms "consumer debt" and "consumer credit" mean money, property or their equivalent, due or owing or alleged to be due or owing from a natural person by reason of a consumer credit transaction.
(j) The term "consumer credit report" means any written, oral or other communication of any information by a consumer reporting agency bearing on a consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer's eligibility for (1) credit or insurance to be used primarily for person, family, or household purposes, or (2) employment purposes, or (3) other purposes authorized under any applicable federal or state law or regulation. The term does not include
(a) Communicating with the debtor's employer regarding the debtor' s consumer debt unless such a communication is necessary to the collection of the debt, or unless the debtor or his attorney has consented in writing to such communication. A communication is necessary to the collection of the debt only if it is made for the purposes of verifying the debtor's employment, locating the debtor, or effecting garnishment, after judgment, of the debtor's wages, or in the case of a medical debt for the purpose of discovering the existence of medical insurance. Any such communication, other than a communication in the case of a medical debt by a health care provider or its agent for the purpose of discovering the existence of medical insurance, shall be in writing unless such written communication receives no response within 15 days and shall be made only as many times as is necessary to the collection of the debt. Communications to a debtor's employer regarding a debt shall not contain language that would be improper if the communication were made to the debtor. One communication solely for the purpose of verifying the debtor's employment may be oral without prior written contact.
(f) The false representation that information concerning a debtor' s failure or alleged failure to pay a consumer debt has been or is about to be referred to a consumer reporting agency;