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Chula Vista, CA 91910

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You Got the Wrong Guy!

This case of mistaken identity-turn-into-nightmare actually happened.  In December 2015 and January 2016, “P&R”, a law firm that represents creditors, sent Mr. Garcia paperwork regarding a lawsuit that pertained to another individual with his name.  Mr. Garcia informed P&R of the mix-up and provided identifying information to show P&R was sending paperwork to the incorrect Garcia.  


Despite being aware of its error, P&R then did the following against the incorrect Mr. Garcia:

  • P&R continued sending paperwork regarding the collections lawsuit;

  • P&R recorded a notice of involuntary lien/abstract of judgment with the County of Los Angeles against Mr. Garcia’s real property; and

  • P&R levied thousands of dollars from Mr. Garcia’s bank account through a bank levy.


Enough was enough.  Mr. Garcia retained Golden & Cardona-Loya, LLP to file suit for P&R’s relentless debt collection against the wrong person.  Following resolution of the matter, P&R agreed to pay $22,500 and cease all collection activity against Mr. Garcia.  P&R’s actions against Mr. Garcia’s property and bank account were further undone.


Unlawful debt collection can still occur even if you do not owe any money or a valid debt even exists. Baker v. G.C. Serv. Corp., 677 F.2d 775, 777 (9th Cir. 1982); see also McCartney v. First City Bank, 970 F.2d 45 (5th Cir. 1992). 


Irrespective of whether a person owes money or not, creditors must still comply with Federal and State laws in their collection efforts.  Whether it be harassing and/or excessive phone calls, identity theft, incorrect credit reporting or other form of unlawful debt collection, the attorneys at Golden & Cardona-Loya, LLP are here to help!  If you believe you’re a victim of unlawful debt collection, you may have rights to enforce in the Courts.  Do not hesitate to call or visit our office.  

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