We Sue Abusive and Harassing Debt Collectors. MinCal Consumer Law Group is focused exclusively on protecting California and Minnesota consumer rights, and stopping abusive debt collectors. Consumers are victimized by fraudulent, abusive, and predatory business practices. Passages of the Fair Debt Collection Practices Act (FDCPA), and Rosenthal Fair Debt Collection Practices Act (RFDCPA), have created the tools necessary for consumer rights attorneys to put a stop to abuse, harassment, misrepresentations, violations, and other eceptive and unfair treatment you may be experiencing today.many families are faced with surmountable personal debts and are behind on their payments, and are subjected to abusive practices by collection agencies, collection law firms, and creditors on a daily basis. The personal debts could be due to credit card purchases, auto loans, medical bills, mortgage, to name a few. Sometimes, a consumer is asked to pay a debt that he or she does not owe. Regardless of whether you owe the debt or not, Federal law, and some state's statutes provides that in the course of collection on a consumer debt, a consumer must be treated with fairness, truth, dignity, and respect, and the debt collector cannot subject the consumer to abusive, rude, unfair and deceptive practices. If a debt collector violates these laws, you have a right to sue for damages. You Can Sue Harassing and Abusive Debt Collectors If They: Use profane, obscene, abusive or insulting language to collect a debt from you. Talk with someone other than you or your spouse about your debt. Threaten you with arrest, lawsuits, garnishment if you don't pay your debt, Continue to contact you after you told them to stop contacting you Call you or leave phone message for you before 8 AM or after 9 PM. We Do Not Charge Any Fee or Costs Unless We Prevail In Your Case Under federal law, debt collectors who violate any provisions of FDCPA in their attempt to collect a consumer debt from you, may be liable to you for statutory damages of up to $1,000, plus any actual damages that you may have suffered, and your attorney's fees and costs. In a few states, such as California, the state statutes provide additional protection and statutory damages of up to $1,000. If after evaluation of your potential case, we agree to represent you, we will not charge you for any attorney fees or cost, unless we prevail in your case.