Cash Call Will It Ever End Anaheim California

The FDCPA and Rosenthall Act are 2 entirely DIFFERENT things.
You are wrong.
They are not bound by the FDCPA but are bound to following the Rosenthal act.
YOU need to learn to read the FDCPA as it SPECIFICALLY states it is for THIRD PARTY COLLECTIONS only.
NOT ORIGINAL CREDITORS such as Cash Call is. Nice try.

My attorney is suing my creditor under the rosenthal fdcpa act.
So obviously they are breaking the law. or my attorney would not have taken the case.
Because whether I win or lose I don't have to pay them.

Hey John, if you don't believe me, then you should look up the fdcpa rules and laws.
Because I have looked them up and also my attorney know the law. This is what he specializes in.
here is what is covered under the fdcpa and cashcall is violating these.

The Act prohibits certain types of "abusive and deceptive" conduct when attempting to collect debts, including the following:

* Hours for phone contact: contacting consumers by telephone outside of the hours of 8:00 a.m. to 9:00 p.m. local time[2]
* Failure to cease communication upon request: communicating with consumers in any way (other than litigation) after receiving written notice that said consumer wishes no further communication or refuses to pay the alleged debt, with certain exceptions, including advising that collection efforts are being terminated or that the collector intends to file a lawsuit or pursue other remedies where permitted[3]
* Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously: with intent to annoy, abuse, or harass any person at the called number.[4]
* Communicating with consumers at their place of employment after having been advised that this is unacceptable or prohibited by the employer[5]
* Contacting consumer known to be represented by an attorney[6]
* Communicating with consumer after request for validation: communicating with the consumer or the pursuing collection efforts by the debt collector after receipt of a consumer's written request for verification of a debt (or for the name and address of the original creditor on a debt) and before the debt collector mails the consumer the requested verification or original creditor's name and address[7]
* Misrepresentation or deceit: misrepresenting the debt or using deception to collect the debt, including a debt collector's misrepresentation that he or she is an attorney or law enforcement officer[8]
* Publishing the consumer's name or address on a "bad debt" list[9]
* Seeking unjustified amounts, which would include demanding any amounts not permitted under an applicable contract or as provided under applicable law[10]
* Threatening arrest or legal action that is either not permitted or not actually contemplated[11]
* Abusive or profane language used in the course of communication related to the debt[12]
* Communication with third parties: revealing or discussing the nature of debts with third parties (other than the consumer's spouse or attorney) or threatening such action[13]
* Contact by embarrassing media, such as communicating with a consumer regarding a debt by post card, or using any language or symbol, other than the debt collector's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business [14][15]
* Reporting false information on a consumer's credit report or threatening to do so in the process of collection[16]


so I am not sure what you are thinking or if you just don't understand what the fdcpa is really all about.

They are the original creditor so the FDCPA does not apply to them. If you actually have a lawyer suing them based on FDCPA stipulations, I'd thin about getting another lawyer.
There is something called the Rosenthal Act I believe that covers requirements that creditors must follow. I could be wrong but I'm sure Robert from Irvine will provide some solid info as he usually does.

For those of you that don't think that cashcall is breaking the fdcpa law, well they are.
I know for a certain that in California the law reads, that they can not contact you before 8 am or after 9 pm. Nor can they contact anyone and discuss your private business.

I know this because I am suing a creditor for harassment right now. If anyone is interested in suing a creditor under the fdcpa, then call
(((Redacted))) attorneys at law. They may be able to help you.

(((Redacted)))

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report. Once lawyers are willing to take on a case against a business, those lawyers will make arrangements with Rip-off Report to put victims in touch with them. Read this link to see why this is for your own protection.

Sadly, there is nothing illegal about what CashCall is doing.......This firm should only be used if you are 100% sure that you can pay them back real fast...within one month at most...in full. Otherwise, you'll get caught in their usury trap. The monthly payments will only pay the interest and the actual principle amount will never go down.

You "needed" $500 but ended up borrowing $2600. Why? What did you do with the extra $2100 if you only needed $500.

I can't speak to if you were notified of their 99.25% interest rate or not, but I have a feeling you were. At the very least when they told you what your payments would be didn't they tell you for how long? If not didn't you ask? Or were you so happy that they were going to lend you the money that you just blocked out all of the "bad news". Because the repayment for your loan is 42 months and at $216.55 that means you are going to be paying back just about $9,000.

Basically with the history of Cash Call they will not negotiate, and as soon as you become delinquent they will start to hound you for the money. After a while of this they may agree to settle for less, or take you to court where it appears that some people have had some success.

I just checked www.cashcall.com and the website shows CashCall is now offering cash loans only in the amount of $2600 and only in California, Idaho, New Mexico and Utah.

Loan Borrower Number of Payment
Product Proceeds Loan Fee APR Payments Amount

$2,600 Loan $2,525 $75 99.25% 42 $216.55

$2,525 x .9925 APR = $2,506.06 in total annual interest
$2,506.06 is interest just for the first year

$216.55 x 42 payments = $9,095.10