Legal Question in Credit and Debt Law in California

Re: Business practices

First, keep a journal by the phone and write down every single conversation you have with this company. What they are doing may violate the Fair Debt Collection Practices Act, in which case you may sue them and recover monetary damages for each violation. Advise the agent that you are recording conversations at the beginning of each call, and see if you can rig something up to actually record the calls. You cannot record a conversation without first advising them of the fact that it is being recorded and obtaining their consent. If they refuse to consent, hang up on them - tell them that because of their harassment, you will no longer communicate with them by phone unless it is recorded. Can you reach a different representative by calling in? If you can reach a supervisor, you can cite specific dates and times on which these calls occured, you might get some relief, but most likely, you are going to need to sue them to put an end to this.

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