Posted 3 years and 4 months ago
Topic: Consumer Law
Debt can make you feel trapped and alone. The longer your debt lasts, the worse it gets and quite often debt is accompanied by harassing behavior from creditors trying to collect. Many people who are subjected to creditor harassment do not know it is illegal. However, when you are harassed by a creditor or a collector, you have certain protections that both State and Federal Laws allow for.
The Law Protects Consumers from Creditor Harassment
Federal and State laws protect people from creditor harassment. In Florida, the Florida Consumer Collection Practices Act (FCCPA) works to fight creditor harassment. This Act says that collection agencies must register with the state and limits the actions that they can take in order to collect debt from consumers, such as not contacting a consumer after reasonable notice that the consumer is represented by an attorney with regard to the Debt.
The Federal Government also has laws in place that protect consumers from debt collector harassment. These laws are outlined in the Fair Debt Collection Practices Act (FDCPA). This important Act clearly outlines which collection practices are illegal. Under the FDCPA, actions that can be considered harassment or abuse include:
- a collector demanding that you pay more than you legally owe
- a collector repeatedly contacting you at your place of employment against your or your employer’s will
- a collector using profane or abusive language
- a collector making verbal threats or threatening to take false legal action
- a collector calling before 8:00 am or after 9:00 pm
- a collector contacting your family, friends, or neighbors and telling them about your debt
- a collector continuing collection efforts after you have told the collector to stop
When a collector takes any such actions against you, it is important that you contact a lawyer immediately. Such behaviors can result in fines for the collectors and even financial awards for you.
Hire an Attorney to Confront Creditor Harassment Today
If you have been a victim of creditor harassment, you don’t have to suffer any more. Call or email Dyer Knudsen Law to discuss the abusive behavior. Free consultations are available, and, if retained to stop the abusive practices, Dyer Knudsen Law does not get paid unless you win. Let Dyer Knudsen Law field the calls from these abusive creditors and debt collectors.