Creditor Harassment

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St. Petersburg Creditor Harassment Lawyers

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Are you dealing with creditor harassment? Are you receiving threatening or unwanted phone calls? Our creditor harassment attorneys in St. Petersburg are highly skilled and can provide you with the legal assistance you need to properly deal with agencies and debt collectors who do not follow the law. Let us help you defend your rights and stand up against abuse in St. Petersburg, Florida. Get in touch with Boss Law now and request a free, no-obligation case evaluation.

What is The Fair Debt Collection Practices Act (FDCPA)?

The Fair Debt Collection Practices Act (FDCPA) is a federal statute that establishes how a debt collector can legally and appropriately deal with a consumer. This law also establishes the parameters in which a creditor can communicate with a consumer about their debts. If an agency harasses you by violating this law, in Florida you have the right to pursue sanctions against them and request a financial compensation. If a debt collector violates these boundaries, a consumer may be able to collect damages of $1,000 per violation.

What is Considered Creditor Harassment?

There are many opportunities to seek compensation when a creditor harasses you in methods outside the boundaries set by the FCCPA and FDCPA. Just a few examples of ways your creditor might have harassed you include:

Calling you before 8:00 am or after 9:00 pm
Contacting you at work or school without permission
Asking you to pay more than you actually owe
Using an auto-dialer program to leave a computer-generated message
Using, or threatening to use, violence against you
Informing nonexempt third parties about your debt
Using profane or threatening language
Repeatedly emailing, calling, or mailing you after you expressly asked for limited contact
Other Safeguards Against Creditor Harassment

Remember, debt collectors must be careful not to violate your privacy when talking about your debts. They cannot just tell everyone in St. Petersburg about them, such as your neighbors, family, children and even co-workers. This is a serious violation that may entitle you to monetary damage.

Not only must creditors use discretion in contacting only you, rather than discussing your circumstances with third parties, but creditors cannot lie to you by wrongly advising you. For example, many consumers are told that their debt cannot be discharged even when bankruptcy is actually an option. This is a case of outright deceit, since bankruptcy does allow consumers to completely discharge their debt. Creditors lie about this just so they can continue harassing you to collect your debt. Such behavior is a violation of state and federal law. The TCPA was specifically created to regulate overbearing telemarketers while establishing rules for how companies and organizations can contact consumers.

There are several acts which were created to protect consumersincluding:

  • the Florida Consumer Collection Practices Act (FCCPA),
  • the Fair Debt Collection Practices Act (FDCPA),
  • and the Telephone Consumer Protection Act (TCPA).

The TCPA regulates telephone calls made to your cell phone by automatic telephone dialing systems or automated or pre-recorded messages.

If you receive harassing telephone calls on your cell phone, you should advise the caller to stop calling you and to cease and desist all future calls. If the calls continue, speak with our attorneys immediately about TCPA violations.

How Can Boss Law Help You?