Stop Creditor Harassment in Florida
When you owe a creditor money, and they've referred your account to collections, it can feel like the debt collector will try anything to intimidate you into making a payment — even if you can't afford to make one! Persistent letters and phone calls from a collector can put you on edge and damage your mental and physical health. Your creditors' goal is to wear you down so they can bend you to their will. Don't let their harassment control your life!
Call or text DebtStoppers today at 786-420-4545 to request a free consultation with one of our experienced Florida attorneys, and learn how bankruptcy laws can empower you to stand up to your creditors and stop their bullying for good.
The Ways Creditors Harass You
National consumer protection laws like the Fair Debt Collection Practices Act (FDCPA) control the types of collection practices a collector can use. These laws prohibit creditors from using threats or harassment when trying to collect.
This means that a debt collector cannot:
- Use or threaten to use force or other illegal actions to injure you, your reputation, or your possessions;
- Use offensive or profane language;
- Publicly or privately publish the fact that you owe a debt;
- Threaten to sue or arrest you if they do not intend to do so;
- Try to annoy or harass you by calling you persistently or repetitively;
- Call you without identifying themselves;
- Contact you personally when you have a lawyer;
- Call you before 8 a.m. or after 9 p.m.
Understanding Your Rights Regarding the Debt Collector Laws in Florida
In addition to the FDCPA, Florida has created its own laws to protect its citizens from debt collector harassment. One of these laws, the Florida Consumer Collection Practices Act (FCCPA), prohibits collectors from practicing specific types of abusive and deceptive collection tactics.
The Florida statute bans a broad range of practicing, including:
- Pretending to be a police officer or other government agent;
- Talking to your employer about your debt (or threatening to do so) when the creditor does not have a judgment against you;
- Contacting a third party about your debts;
- Harassing your family members about your debts;
- Pretending to be a lawyer or falsely indicating that a lawyer is involved;
- Attempting to pursue illegitimate debts against you.
Although these abusive tactics are illegal, many collectors still use them. The stress their constant intimidation causes can make you feel completely powerless.
No matter how you feel, Florida laws give you legal rights, and you don't have to tolerate debt collector harassment. When you file for bankruptcy, the court will issue an automatic stay that requires your creditors to stop all collections activity. Not only will collectors be banned from trying to get money from you, but they will be prohibited from even contacting you! The incessant phone calls and bullying must stop the moment you file a bankruptcy petition.
Protect Yourself by Contacting a Local Attorney
If your creditors decide to ignore the automatic stay and continue to harass you, DebtStoppers will take them to court on our own dime to get you the compensation you deserve.
Our experienced team of Florida lawyers can show you how bankruptcy laws can stop creditor harassment and get you out of debt. Call or text DebtStoppers today at 786-420-4545 to schedule a free bankruptcy consultation with one of our talented Florida attorneys.
Let your creditors know enough is enough! Call or text us today at 786-420-4545, and put an end to debt collector harassment for good.