The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Debt Collection Laws
Applicable Laws
- FDCPA
- Rosenthal Fair Debt Collection Practices Act
- Cal. Civ. Code § 1788
Small Claims Limit
$12,500
Consumer Protection Agency
California DFPI / CFPB
San Joaquin County Debt Collection Resources
Local Court Information
San Joaquin Superior Court - Small Claims Division
Filing Fee: $30-$75
Local Consumer Protection
California DFPI / CFPB
Serving: Stockton, Tracy, Manteca, Lodi, Lathrop
Collection Combat FAQ
When Do I Strike?
After the second broken promise. Time to get serious.
What If They Ignore It?
Then you may need to consider legal action. Consult an attorney.