California Debt Collection Rights

Summary

If you do not agree to the terms and conditions, it typically means you have not entered into a contract. A written contract requires mutual agreement from all parties involved. The California Fair Debt Collection Practices Act (CFDCPA) protects consumers from abusive practices by debt collectors. The statute of limitations for written contracts is typically 4 years. You can send a written request to a debt collector to cease communication.

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California, chargeback and debt collecting
Thank you for sharing your location and the nature of your issue. Here is some general information related to chargebacks and debt collection in California:
- **Chargebacks**: Under the Fair Credit Billing Act, you have the right to dispute unauthorized charges or billing errors on your credit card.
- **Debt Collection**: The California Fair Debt Collection Practices Act (CFDCPA) protects consumers from abusive debt collection practices.
Could you please specify if you are dealing with unauthorized charges or a debt collection issue?
Debt collection
In California, here are some key points regarding debt collection:
- **CFDCPA**: Protects consumers from abusive practices by debt collectors.
- **Statute of Limitations**: Typically 4 years for written contracts.
- **Cease Communications**: You can send a written request to a debt collector to cease communication.
Would you like information on how to draft a cease and desist letter or details on filing a complaint against a debt collector?
If I don’t agree to terms and conditions, is that a written contract?
If you do not agree to the terms and conditions, it typically means you have not entered into a contract. A written contract requires mutual agreement from all parties involved.
- **Mutual Assent**: Both parties must agree to the terms.
- **Consideration**: There must be something of value exchanged.
Would you like more information on disputing a debt or another aspect of debt collection?