I obviously cannot speak as to the court's award of a judgment under your circumstances other than to advise that you have the right to appeal the judgment. It is not final until the appeal period has expired.
As for FDCPA violations, it is a clear violation for a debt collector to disclose the fact that you owe a debt to any third party.
Third parties may only be contacted to attempt to obtain the location of a consumer, and may not, in that contact, inform the party that the consumer is alleged to owe any debt. See FDCPA 804 and 805.
Violations of the FDCPA normally do not need an attorney to pursue, as the FDCPA provides for statutory violations, meaning one need only show that they have technically violated some provision of the statute. No showing of intent, willful or negligent, is required.
Nobody here (unless they are a lawyer and were in the court with you) can tell you what the Judge was thinking, though. Small claims judges are like little kings. Some are friendly to the defendant, some are friendly to the plaintiff. Were you able to provide a sworn statement from whoever they told about the debt? Since this was the OC, was there a reason you elected not to demand arbitration?
I'm not trying to critisize, I'm just curious as to the process you went through and what the judge saw. Its frustrating to hear when a judge seems to ignore your arguments, even if he denies them.
Only you can decide it its worth the time and potential expense of appealing. Many people have successfully gotten awards for FDCPA violations without the help of a lawyer. However, because they allegedly violated the FDCPA, doesn't meant the debt itself isn't valid.
NFCU MR: $25K | Venture: $21K | Amex ED: $18K | NFCU CR: $18K | Amex BCE: $15K | IT #1: $15K | PNC Core: $15K | PPMC: $12K | Wells Fargo: $11K | Savor: 12K | Cap1 QS: $8.5K | Barclays Rewards: $7.75K | IT #2: $6.8K | MLife: $6.5K | Sportsman's Guide: $8.7K | PenFed PR: $5.5K | Elan Plat: $2.3K | TRV: $2.8K | BotW: $3K
Current FICO 8 Scores: EQ: 747 | TU: 789 | EX: 743
6-8 calls a week, in of itself is not actionable. I did debt collection for a while, and we legally would call some people 6-8 times in a single day. We "weren't sure what the best time to reach the customer was, and as they did not answer, we assumed they were not home."
The cuttoff was that if a person answered, or if we left a voicemail, that would be our final call for the day. Or if we recieved, in writing, notice informing us of the best time to reach them, we would not call outside of that time period.
But that has nothing to do with your alleged debt.
Conflicting dates and conflicting past due amounts. To this subject, I can only beg for more information. Did the judgement go for the lesser of the 2 amounts? Also, I'm suprised you did not get a continuance. Did the judge give a reason why?