Debt Collection Harassment Attorney - Orlando and Central Florida
Orlando Debt Collection Harassment Lawyer - providing affordable legal services concerning Debt Collection Harassment and other Consumer Rights legal services, for residents of Orlando, Kissimmee, and throughout Central Florida.
Call The Debt Relief Law Center at Toll Free 1.888.877.5103 to Schedule a Confidential and FREE Legal Consultation with Debt Collection Harassment Attorney, N. James Turner
Being harassed by creditors or debt collectors is illegal.
There are both State and Federal Debt Collection Laws that exist to protect the consumer from harassment and other illegal activities by collection agencies, their subsidiaries, and third parties.
Some of these form of debt collection harassment involve:
- Harassing phone calls;
- Calling your boss or place of employment;
- Calling your friends, family, or associates.
Harassment from debt collectors has become such a problem, that the United States Congress wants it stopped too. Debt collection harassment is illegal. Once a debt is past due, creditors typically send the account to a debt collector. These bill collection agencies are very good at digging up personal information about you. Some use this information against you to try to force you to pay your debt immediately. When you are unable to pay, the harassment begins.
Debt Collection Harassment is Against the Law! The Fair Debt Collection Practices Act regulates how debt collectors must behave when attempting to collect debts. If the debt collector’s actions are violating the law, not only can you stop the harassment; you may also be able to recover damages from the violators. Better yet, Congress forces the violators to pay your attorney fees.
Some of the most common violations of the FDCPA:
- Harassment: frequent phone calls to alleged debtors, their family and friends, repeated calls with no messages, hang-ups, lies, misleading comments, speaking in a belittling manner, embarrassing, argumentative and rude conduct are examples of harassing conduct.
- Collecting money not owed: if an alleged debtor doesn’t owe the money it is a violation of the law for a collector to try and force the alleged debtor to pay the money.
- Threats: creating a “false sense of urgency” or suggesting arrest, criminal prosecution, jail.
- Calls at work: calls to the workplace, especially after a collector is told not to call, such as speaking to or leaving messages with a receptionist, calling the cell phone while alleged debtor is at work or calling alleged debtors direct line, is a violation.
- Contacting 3rd parties: collectors may not contact any party about a debt without the express permission of the alleged debtor, including the spouse or any other family member, neighbors, friends, or co-workers.
- Written Notice: collectors must send a written notice stating the amount of the debt, the creditor to whom the debt is owed, and a statement that the debtor has 30 days to in writing dispute the debt. Upon receiving written notice that a consumer disputes a debt, the collector within 30 days must obtain written verification and validation of the amount of the debt, the creditor to whom the debt is owed and must mail said verification to the consumer.
- Proof of debts: debt collectors are required by federal law to send “verification and validation” of a debt when the alleged debtor in writing disputes the debt within 30 days of a debt collector’s first contact.
- Refusing to cease contact: all communications, including telephone calls and letters, must immediately stop once a debt collector receives a “cease and desist” letter. There is no specific required language, only a directive that all communications must stop. All cease and desist letters should be sent with return receipt requested.
- Contact after attorney representation: once a collector is told a individual is represented by all conversations, messages, letters or any other communication must immediately stop.
Contact Debt Collection Harassment Lawyer, N. James Turner at The Debt Relief Law Center by Calling Toll Free 1.888.877.5103 to Schedule a Confidential and FREE Legal Consultation.
Orlando Debt Collection Harassment Lawyer, N. James Turner proudly serves the Debt Collection Harassment and Consumer Rights legal needs for residents of Orlando, Kissimmee, Orange County, Osceola County, Seminole County, and throughout Central Florida.