Does filing a debt collection complaint erase the debt?
No, and it's worth being clear-eyed about that going in, since the disappointment of learning this after filing is a common way people sour on a claim that was otherwise legitimate. A win on the conduct side has no automatic effect on the balance itself, the only way both get resolved together is if a settlement or a court order explicitly says so.
For Plaintiffs
Debt collector crossing the line?
Check your rights under the FDCPA and California's Rosenthal Act, and prepare your complaint.
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