California gives consumers some of the strongest legal protections in the country — but most people don’t know their rights until it’s too late.
If a debt collector is calling at all hours, threatening arrest, lying about what you owe, or trying to collect on a debt you don’t recognize — your rights are being violated. Debt collectors are prohibited from harassing you, making false statements, or using illegal tactics to pressure you into paying. When they cross those lines, you may be entitled to damages, and in many cases the collector ends up paying the legal fees, not you. State and federal laws offer protections against unlawful debt collection practices from harassment and false statements to unauthorized charges and improper garnishment of wages or bank accounts.
Credo Legal Services also handles cases involving unauthorized bank charges, deceptive billing practices, identity theft, breach of contract, and situations where a creditor or collector has damaged your credit, garnished your wages, or frozen your bank account without following the proper legal process.
Serving individuals throughout Northern California — including San Jose, San Francisco, Oakland, Sacramento, Fremont, Santa Rosa, Stockton, Modesto, Elk Grove, and Chico. If you’ve been contacted by a debt collector, sued for a debt, or hit with charges you didn’t authorize, schedule a consultation. You have more options than you think — and the clock on your claim may already be running.
Schedule a consultation to find out where you stand.
📞 (415) 347-5667
Credo: noun
a guiding belief or principle
Since 2024, Credo Legal Services has been in your corner for a range of personal legal needs — including financial disputes, small claims, Medicaid, and Social Security matters.