Robert
Buffalo,#2Consumer Suggestion
Fri, October 26, 2007
because of California state statute. The California statute is called the Rosenthal Fair Debt Collection Practices Act. You can find it online. Essentially, this statute requires all persons that are attempting to collect a debt, regardless of status as a debt collector or creditor, to be held to the restrictions imposed by the FDCPA for debt collectors. You can obtain a copy of this from : CALIFORNIA DEPARTMENT OF CONSUMER AFFAIRS DIVISION OF LEGAL AFFAIRS 1625 NORTH MARKET BLVD. SACRAMENTO, CA 95834 or get it from their website as a PDF download. Hope this helps
Jim
Anaheim,#3Consumer Comment
Fri, October 26, 2007
The FDCPA doesn't apply to them because they're a first party lender, meaning since they lent you the money - they have the right to do call as many times as possible to get the money. Taking a loan from them was a bad idea - not paying them is worse. Find someway to pay the money off or they will continue calling.