Debt Collectors and the Fair Debt Collection Practices Act
Tampa Bay residents who are in debt are probably wondering how they should deal with debt collectors and bill collector harassment. There is the Fair Debt Collection Practices Act, which is a federal law that protects you from harassing phone calls and letters from debt collectors. Then there is the Florida Consumer Collection Practices Act that resembles the federal law. Here are tips on how to deal with debt collectors.
Dispute the Debts in Question
Those who believe that they do not owe the debts that the collectors say they owe, Tampa Bay residents can dispute those debts. Residents will want to write the dispute letters and then mail them to the collection agencies. Collectors must also mention the name of the creditor, amount that is owed and what to do if the person feels he doesn’t owe the debt. When residents mail their dispute letters, it should be certified.
Know the Debt Collection Harassment Laws
This is important when dealing with debt collectors. Debt collectors cannot use obscene language, make threats, call residents while at work, call homes after 8 p.m., lie about the amount of money you owe, falsely claim to be a credit bureau representative, or threaten to garnish income. If a collector does any of these, he is breaking debt collection harassment laws.
Do Not Give Collectors Personal Information
Don’t disclose your bank account or credit card infornation unless it is used for making a payment to the collection agency. Also don’t give a social security number or any assets such as property or valuables. Shady collectors can use this against those who they seek money from.
Understanding the Fair Debt Collection Practices Act
While many debt collectors are honest, there are those who seek to harm Florida residents. Practice common sense and maintain a positive attitude when dealing with debt collectors. Collection agency harassment does not have to ruin consumer’s lives because there are laws that protect them from this.
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.