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Debt Collection PolicyUpdated 16 days ago

Debt Collection Policy
LA Police Gear Inc.
Updated Date: 04/07/2025

1. Purpose
The purpose of this Debt Collection Policy is to outline LA Police Gear's procedures for collecting outstanding debts in a fair, legal, and ethical manner. This policy ensures compliance with California state laws and federal regulations, including the Fair Debt Collection Practices Act (FDCPA), the California Rosenthal Fair Debt Collection Practices Act, and other applicable laws. This policy applies to all employees involved in debt collection processes and to third-party debt collection agencies engaged by the company.

2. Definitions

  • Debtor: Any individual, company, or entity who owes a debt to LA Police Gear Inc..

  • Debt: Any sum of money owed to LA Police Gear Inc. that has passed due.

  • Debt Collection Agency: A third-party agency or organization engaged by LA Police Gear Inc. to assist with collecting overdue debts.

3. General Principles

  • Fair Treatment: LA Police Gear Inc. will treat all debtors with respect, dignity, and fairness throughout the collection process.

  • Confidentiality: Information about debts will be handled confidentially in accordance with applicable laws, including the California Consumer Privacy Act (CCPA).

  • Compliance: LA Police Gear Inc. will comply with all relevant local, state, and federal laws, including but not limited to the FDCPA, the California Rosenthal Fair Debt Collection Practices Act, and the CCPA.

4. Communication with Debtors

  • Initial Contact: The debtor will be contacted via written notice within 30 days of the account becoming delinquent. This notice will include:

    • The amount owed,

    • A statement that the debtor has the right to dispute the debt within 30 days, and

    • Contact information for the debtor to reach LA Police Gear Inc. or its designated collection agent.

  • Subsequent Communication: After the initial notice, LA Police Gear Inc. may contact the debtor by phone, email, or mail. Any communications will occur between 7 a.m. and 5 p.m. pacific standard time, unless the debtor requests otherwise.

  • Debtor’s Right to Dispute: If a debtor disputes the debt, LA Police Gear Inc. will cease collection efforts until proper verification of the debt is provided to the debtor.

5. Prohibited Collection Practices
In accordance with the FDCPA and California state law, LA Police Gear Inc. will not engage in the following prohibited practices:

  • Harassment or abuse, including threatening violence or using obscene language.

  • Making false or misleading statements, such as misrepresenting the amount owed or the legal consequences of non-payment.

  • Contacting the debtor at inconvenient times or places, such as before 7 a.m. or after 5 p.m. PST, or at a location where the debtor has requested not to be contacted.

  • Using deceptive tactics, such as impersonating an attorney or government official.

  • Continuing collection efforts after the debtor has filed for bankruptcy protection without proper court approval.

6. Payment Arrangements

  • Installment Plans: If the debtor is unable to pay the full amount owed, LA Police Gear Inc. may offer an installment payment plan, subject to terms and conditions that are mutually agreed upon in writing. The terms of the payment plan will include the monthly payment amount, the date the payment is due, and the total amount due.

  • Settlements: In cases where payment in full is not possible, LA Police Gear Inc. may consider settling the debt for less than the full balance owed. Any settlement agreement must be documented in writing and signed by both parties.

7. Use of Third-Party Debt Collectors

  • Engagement of Third Parties: If LA Police Gear Inc. chooses to engage a third-party debt collection agency, the agency must comply with the FDCPA, the California Rosenthal Fair Debt Collection Practices Act, and other applicable laws.

  • Contractual Obligations: Any third-party debt collection agency engaged by LA Police Gear Inc. must sign a contract outlining their obligations to comply with the law, the terms of the collection process, and the appropriate treatment of debtors.

  • Use of Reward Points: LA Police Gear Inc. may (at it's discretions at any point in time) exchange/adjust the debtor's accumulated rewards points in order to cover either the full or partial debt owed.

8. Reporting to Credit Agencies

  • Credit Reporting: LA Police Gear Inc. may report unpaid debts to credit reporting agencies if the debt remains unpaid for more than 30 days beyond the due date. However, any negative credit reporting will comply with applicable laws, including the Fair Credit Reporting Act (FCRA).

  • Debtor Notification: If a debt is reported to a credit reporting agency, the debtor will be notified within a reasonable time frame.

9. Bankruptcy Procedures
If a debtor files for bankruptcy, LA Police Gear Inc. will follow the appropriate legal procedures to ensure compliance with bankruptcy laws. Collection efforts will be suspended immediately once bankruptcy is filed, and any further actions will be taken only through the bankruptcy court process.

10. Debt Recovery and Legal Action
If all reasonable collection efforts fail, LA Police Gear Inc. may consider initiating legal proceedings to recover the debt. Legal action will be taken only after thorough review and approval by [Company Name]'s legal department or outside counsel.

  • Small Claims: If the debt is within the limits for small claims court in California, LA Police Gear Inc. may choose to file a claim in small claims court to recover the outstanding debt.

  • Civil Litigation: For larger debts, LA Police Gear Inc. may pursue civil litigation to recover the debt through the appropriate court system.

11. Recordkeeping
LA Police Gear Inc. will maintain accurate records of all debt collection efforts, including written notices, communication logs, and payment history. These records will be kept in accordance with applicable laws and company policies.

12. Dispute Resolution
In the event of disputes between LA Police Gear Inc. and a debtor, both parties are encouraged to resolve the matter amicably. Disputes that cannot be resolved may be escalated to mediation or arbitration in accordance with the terms set forth in any agreements between the parties.

13. Compliance Review and Updates
LA Police Gear Inc. will regularly review this policy and its debt collection practices to ensure ongoing compliance with applicable laws. Any updates to this policy will be communicated to employees and relevant stakeholders.

14. Contact Information
For inquiries regarding this policy or debt collection practices, debtors can contact LA Police Gear Inc. at:

  • Phone: 661-294-9499

  • Email: [email protected]

  • Mailing Address: 28635 Braxton Ave. Valencia CA, 91355

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