Lisa Jane Espada
Law Office of Lisa J. Espada
San Francisco, CA — 100 Pine St., San Francisco, CA
Debt Collection DefenseConsumer ProtectionChapter 7 BankruptcyLitigation
California attorney directory
Consumer protection attorneys in San Mateo County, CA
30 cities and 33 ZIP codes in San Mateo County. 1 attorney listing here so far.
Before you pay an attorney retainer
Want the calls in San Mateo County to stop? Start with a written letter.
Under the federal FDCPA (15 U.S.C. § 1692c(c)), once a debt collector receives your written request to stop contacting you, it must generally stop, with limited exceptions. You can send that request yourself, without a lawyer. We help you write it in a few minutes.
- ✓ Cites federal and California law
- ✓ Ready in about 5 minutes
- ✓ PDF you can print and mail
One-time price, no subscription. Not a law firm and not legal advice. The outcome depends on the collector.
Cities in San Mateo County
- Pacifica
- Atherton
- Belmont
- Brisbane
- Colma
- Daly city
- East palo alto
- Foster city
- Half moon bay
- Hillsborough
- La honda
- Ladera
- Loma mar
- Millbrae
- Montara
- Moss beach
- Pescadero
- Redwood city
- Russian river
- San bruno
- San carlos
- San francisco(1)
- San gregorio
- San mateo
- South san franci
- West menlo park
- Woodside
- Zcta 940hh
- Zcta 943hh
- Zcta 944hh
Your rights against debt collectors in San Mateo County, CA
- San Mateo County covers 30 cities and towns and 33 ZIP codes, including Pacifica, Atherton, Belmont.
State law on top of the FDCPA
People in San Mateo County, CA are protected by the federal Fair Debt Collection Practices Act and by California's own Rosenthal Fair Debt Collection Practices Act (Cal. Civ. Code § 1788 et seq.). State laws can cover original creditors too, not just collection agencies.
Legal calling hours here
Collectors may not call before 8:00 a.m. or after 9:00 p.m. your local time (§ 1692c(a)(1)). San Mateo County, CA is on Pacific time — note the exact time of every early or late call. Log calls for free.
Small claims court
California small claims courts commonly hear cases up to about $12,500. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the San Mateo County court. Limits change, so confirm with the court clerk before filing.
Where to complain
File with the CFPB and the California Attorney General. See our complaint guide.
Sources you can check
- Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692–1692p (Cornell Legal Information Institute)
- Regulation F, 12 C.F.R. Part 1006 (CFPB)
- FTC debt collection FAQs
- Rosenthal Fair Debt Collection Practices Act (Cal. Civ. Code § 1788 et seq.) — look up the official text
- California Attorney General (National Association of Attorneys General)
Last reviewed: by the StopAndDesist editorial team. General information, not legal advice.
Being contacted by a collector in San Mateo County?
You can require a collector to stop contacting you in writing, today, without hiring an attorney first. Keep a record of every call while you do it.