California Consumers To Receive New Protections Starting January 1, 2014

California Consumers To Receive New Protections Starting January 1, 2014

By |July 3rd, 2013|

The California  Assembly on July 1, 2013 passed the Fair Debt Buying Practices Act by a unanimous vote, ushering in a new set of protections for consumers dealing with debt collectors.

The bill, sponsored by Attorney General Kamala D. Harris, passed the Assembly after clearing the Senate earlier in 2013 with a 36-0 vote.

The bill, which becomes effective as of January 1, 2014, will require debt buyers to have in their possession a significant amount of account information before debt collection efforts can begin.

In addition, debt buyers who collect against California consumers must also use very specific language in their debt collection communications.

Hat tip to the folks at InsideARM, a trade publication for the debt collection industry, for the information. We’ll be dissecting the Fair Debt Buying Practices Act in the coming weeks and months, helping you understand this new and powerful law better.

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About the Author:

I've been a consumer protection lawyer since 1995, working to help people end their bill problems. I'm a faculty member at the Student Loan Law Workshop, a nationally recognized speaker, and a long-time member of both the National Association of Consumer Bankruptcy Attorneys and National Association of Consumer Advocates.