Services Available in California
Debt Collection Agencies
Third-party agencies that collect unpaid debts on behalf of creditors. They typi...
20-40% of collected amount
Contingency Fee Lawyers
Attorneys who take cases on a contingency basis - they only get paid if you win....
33-40% of settlement/judgment
Bail Bond Recovery
Licensed bail enforcement agents (bounty hunters) who locate and return fugitive...
10-20% of the bail bond amount
Asset Recovery Services
Specialists in locating and recovering lost, stolen, or abandoned assets includi...
15-35% of recovered assets
Medical Billing Recovery
Specialists who audit medical bills for errors and recover overcharges from hosp...
25-35% of recovered overcharges
Judgment Enforcement
Specialists who collect on court judgments that debtors refuse to pay. They use ...
30-50% of collected judgment
Skip Tracing Services
Investigators who locate people who have 'skipped' - fled without paying debts, ...
Flat fee $50-500 per locate, or percentage if bundled with collectionYour Rights in California
California Civil Code Section 1788 - Rosenthal Fair Debt Collection Practices Act
- Rosenthal Act extends FDCPA protections to original creditors
- No contact before 8am or after 9pm; no Sunday contacts
- Written validation required within 5 days of first contact
- Collectors may not contact you at work if prohibited by employer
Statute of Limitations in California
After this period, collectors cannot sue you to collect the debt.
| Debt Type | Time Limit |
|---|---|
| Credit Card | 4 years |
| Medical Bills | 4 years |
| Auto Loan | 4 years |
| Written Contract | 4 years |
| Oral Contract | 2 years |
Wage Garnishment Rules in California
Up to 25% of disposable income or excess above 40x state minimum wage
Featured Professionals in California
One of the largest debt purchasers and collectors in the United States, handling billions in consume...
View ProfileLeading debt purchasing and collection company specializing in acquiring and managing charged-off co...
View ProfileMajor debt purchaser and collector with operations across the US and internationally. Specializes in...
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