You know the drill – the constant phone calls, letters. Bothering family members, even calling your job. Debt collectors act as if they are a law unto themselves, but I am here to tell you that it’s not true. There are laws that govern what collection agencies can and can’t do to collect a debt, and if they violate the laws, they can get some hefty fines, or even get arrested. They can even be banned from the debt collection business. The Fair Debt Collection Practices Act is to protect debtors from a variety of sleazy practices and even outright fraud that some collectors were using to harass and intimidate people who – in some cases didn’t owe any money, had paid the debt, or were trying to collect on a time barred debt.
Harassment from creditors is defined as abusive, oppressive behavior designed to coerce you into compliance. Here’s a list of the behavior that they are not allowed to use:
You have to document your interactions with these collectors but you should not record the call. Florida law makes it a crime to record any conversation unless all parties agree to the recording. If you want to ask the collector for their permission to record, I don’t think you’ll get it. There are simple ways to stop harassment, but be advised that this will not stop the collection action.
We have a lot of experience defending people from the worst of the worst in debt collection, and we can help you, too! Our initial consultation is free at either of our offices, and we are open seven days a week. Come in and start getting debt collectors out of your life!
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