CIVIL CODE,DIVISION 3,HEADING,PARTICULAR,TRANSACTIONS,ENACTED,CONSUMER,COLLECTION,NOTICE,ADDITION,REQUIREMENTS,ARTICLE,SECTION,TITLE 1,THIRD PARTY,DEBT COLLECTORS,SUBJECT TO,THE FEDERAL,FAIR DEBT COLLECTION PRACTICES,15 U S C,SHALL,DEBTORS,DESCRIPTION,DEBTOR,RIGHTS,THE STATE,ROSENTHAL,EXCEPT,CIRCUMSTANCES,COLLECTORS,CONTACT,HARASS,THREATS OF VIOLENCE,ARREST,OBSCENE LANGUAGE,FALSE,MISLEADING,STATEMENTS,CALL,AT WORK,REASON,KNOW THAT,PERSONAL,TELL,PERSON,YOUR,ATTORNEY,SPOUSE,CONFIRM,LOCATION,ENFORCE,JUDGMENT,INFORMATION,DEBT COLLECTION,TRADE,COMMISSION,AT 1,HELP,WRITTEN,CALIFORNIA,ADDRESS,CONNECTION,COLLECTING,DEBT,THE THIRD,PARTY,DEBT COLLECTOR,C,LANGUAGE,ENGLISH,INITIAL,DAYS,EFFECTIVE,JANUARY 1,JULY 1,CHANGED,NECESSARY,CHANGES,DISCLOSURE,TYPE,SIZE,USED TO,INFORM,HIS OR HER,POINT,VIOLATION,