Debt Collection Harassment in Saint Petersburg
Recently, the New York Federal Reserve reported that US household debt has reached a staggering $12.73 trillion. The average debt that many US household carry is $90,000 with many carrying $130,000. This debt is made up from mortgage balances, credit card debt, auto loans, student loans, and medical debt. That is a lot of debt for people to pay off and sometimes you fall behind.
St. Petersburg Debt Collection, Not Harassment
When that happens, the phone calls start and sometimes the harassment. If you live in the Saint Petersburg or Tampa and are getting harassed by debt collectors, there are ways to make the harassment stop. Debt collection laws like the Fair Debt Collection Act protects you and a debt collection harassment attorney can help you.
What is Debt Collection Harassment?
Any of these actions are prohibited by both federal and state law. If any of these are being used against you to collect a debt, be aware these are illegal.• Pretending to be a government official• Threatening violence• Speaking to your employer except under limited conditions• Sending derogatory messages about you to a credit reporting agency• Contact third parties about your debt or otherwise embarrassing you• Contacting you between 9 p.m. and 8 a.m. without your permission• Claiming to be an attorney• Sending letters that look like attorney or governmental letters but that are not• Using profanities when speaking to you• Attempting to collect an expired debt• Hiring an unlicensed credit collection agency• Sending information on a postcard• Communicating with you if you are represented by an attorney
What Can A Debt Attorney to Help You?
A debt collection lawyer can help you with your collection agency concerns.• Put a stop to harassing phone calls• Enter in negotiations to work out a debt collection settlement• Represent you in court• Possibly collect damages
You may have debt but that doesn’t mean you should be abused by the people collecting the debt. We at the Hoag Law Firm can help you. If you live in the Tampa, St. Petersburg, or greater Tampa Bay area, give us a call to schedule your free initial competition.
Hopefully, you will never be in a position in which you need the legal services of a Tampa personal injury lawyer that specializes in debt collection harassment, but in the event that you do, please give Hoag Law Firm a call or complete your online Free Case Evaluation. A free consultation can help you understand your rights. With honest advice and an experienced attorney at your side, you can recover the largest possible settlement and get back to living your life.