As an essential service provider, we are open and here to help you access the courts. We specialize in child custody, domestic violence and all other areas of family law.
Debtor Rights Integrity & Commitment To Client Service

Roseville Debtor Rights Attorneys

Understanding Your Rights as a Debtor

How far can a debt collector go to collect money from you? What a debt collector tells you may not be accurate. A debt collector does not even have the right to call you if you request that the calls cease. If you are fighting harassment by a debt collector, know your rights. Talk to a bankruptcy attorney at Cecil Cianci Law, PC, in Roseville, California.

Call (916) 675-3866 for a free bankruptcy consultation with an attorney.

What Rights Do Debtors Have?

The FDCPA assures that consumers have rights against abusive debt collection tactics.

Added in 1978 as part of the Consumer Protection Act, the Fair Debt Collection Practices Act (FDCPA) protects consumers who are being harassed by debt collectors. Be aware that a debt collector is not allowed to call after 9 p.m. or before 8 a.m. The debt collector cannot call your home at all if you make a written request. A verbal request is enough to keep a debt collector from calling you at work.

Know that threats and misstatements are against the law.

Threatening arrest or legal action is not permissible under the law. If a bankruptcy attorney represents you, all calls should be directed to the lawyer, and you should not be bothered again. The debt collector cannot use abusive or profane language in trying to collect a debt.

Contact a lawyer about your rights.

It's essential to understand your rights as a debtor. At Cecil Cianci Law, PC, our debtor rights attorneys will work with you to help you understand your rights in a free consultation. To arrange a free consultation, contact us online or via phone at (916) 675-3866.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Client Success Stories

  • Jaime B.

    Sensitive to needs with my children, my time and my dollars

  • Doug B.

    Great and always professional and courteous to both sides of the mater

  • John R.

    A staunch advocate for me in the courtroom and has remained that way for 15 years

  • Lauren S.

    Helped me feel safe, important and always had my back

  • Jamey S.

    I've never met an attorney I felt I could trust like Melissa

  • Krishna V.

    Takes time to discuss the case and answers all my questions patiently and calmly

  • Stacy O.

    She will ensure that you're taken care of

  • Ryann D.

    Has your best interest at heart and cares

  • Alyssa R.

    A seamless process thanks to Melissa and the team of attorneys and support staff

  • Dana A.

    Extremely knowledgeable, organized and professional!

  • Amber B.

    A truly personal and professional attorney

  • Scott R.

    Could not be happier with the help they offered me through a tough time

  • Eric R.

    I felt cared for and protected

  • Tami M.

    Made both sides feel extremely comfortable with the agreement and outcome

  • Gary B.

    Does her "homework" to best represent her client

What Makes Us Different? 

  • Big Firm Experience, Small Firm Approach
  • Unique Approach & Personalized Strategy For Every Case
  • Helping You Maintain Your Way of Life After Divorce
  • Educate Our Clients So They Can Make Informed Decisions
  • Transparent Representation Based on Honesty & Integrity
  • Nearly Five Decades of Combined Experience

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