Section § 1788.30

Explanation

如果债务催收人在加州违反了债务催收规定,他们仅需在个人诉讼中对因其行为给债务人造成的任何实际损害承担责任。如果债务催收人故意或明知地违反规定,除了实际损害赔偿外,还必须支付100美元至1,000美元的罚款。关于这些违规行为的诉讼胜诉方可以获得诉讼费用,胜诉的债务人可以获得律师费,但胜诉的债权人只有在法院认定债务人提起诉讼或抗辩并非出于善意时才能获得律师费。

如果违规行为在发现或收到书面通知后15天内可以纠正,并且债务催收人进行了纠正,则他们不承担责任。此外,如果债务催收人能够通过优势证据证明违规行为并非故意发生,并且尽管已采取了合理措施避免此类违规,但仍发生了违规,则他们也不承担民事责任。此类诉讼必须在违规发生之日起一年内提起。最后,如果债务人故意违反本篇规定,债务催收人可以以此作为抗辩理由。

(a)CA 民法 Code § 1788.30(a) Any debt collector who violates this title with respect to any debtor shall be liable to that debtor only in an individual action, and his liability therein to that debtor shall be in an amount equal to the sum of any actual damages sustained by the debtor as a result of the violation.
(b)CA 民法 Code § 1788.30(b) Any debt collector who willfully and knowingly violates this title with respect to any debtor shall, in addition to actual damages sustained by the debtor as a result of the violation, also be liable to the debtor only in an individual action, and his additional liability therein to that debtor shall be for a penalty in such amount as the court may allow, which shall not be less than one hundred dollars ($100) nor greater than one thousand dollars ($1,000).
(c)CA 民法 Code § 1788.30(c) In the case of any action to enforce any liability under this title, the prevailing party shall be entitled to costs of the action. Reasonable attorney’s fees, which shall be based on time necessarily expended to enforce the liability, shall be awarded to a prevailing debtor; reasonable attorney’s fees may be awarded to a prevailing creditor upon a finding by the court that the debtor’s prosecution or defense of the action was not in good faith.
(d)CA 民法 Code § 1788.30(d) A debt collector shall have no civil liability under this title if, within 15 days either after discovering a violation which is able to be cured, or after the receipt of a written notice of such violation, the debt collector notifies the debtor of the violation, and makes whatever adjustments or corrections are necessary to cure the violation with respect to the debtor.
(e)CA 民法 Code § 1788.30(e) A debt collector shall have no civil liability to which such debt collector might otherwise be subject for a violation of this title, if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted notwithstanding the maintenance of procedures reasonably adapted to avoid any such violation.
(f)CA 民法 Code § 1788.30(f) Any action under this section may be brought in any appropriate court of competent jurisdiction in an individual capacity only, within one year from the date of the occurrence of the violation.
(g)CA 民法 Code § 1788.30(g) Any intentional violation of the provisions of this title by the debtor may be raised as a defense by the debt collector, if such violation is pertinent or relevant to any claim or action brought against the debt collector by or on behalf of the debtor.

Section § 1788.31

Explanation

本条主要说明,如果本法某一部分被认定无效或不适用于特定情况,则法律的其余部分仍然有效,并将继续适用于其他情况。这样做的目的是确保法律不会因为一小部分失效而整体崩溃。

如果本篇的任何条款,或其对任何人或情况的适用,被裁定无效,则本篇的其余条款,或此类条款对其他人或情况的适用,不应因此受到影响。

Section § 1788.32

Explanation

本法律条款指出,此处提供的处理问题的选项旨在补充而非取代任何可能存在的其他法律选项。它还阐明,本法中的新规定不会凌驾于现有的消费者相关法规之上,除非这些法规与新规定直接冲突。

本文所提供的补救措施旨在累积,并补充任何其他法律规定下的其他程序、权利或补救措施。本篇的颁布不得取代消费者事务总监的现有行政法规,除非这些法规与本篇的规定不一致。

Section § 1788.33

Explanation
这项法律规定,你不能放弃本法律章节中提供的权利和保护。这种放弃行为是不被允许的,因为它违背了法律旨在保护的宗旨,因此不会被视为有效或具有强制执行力。