Florida Debt Harassment Protection Law
The federal government enacted the Fair Debt Collection Practices Act to protect consumers from overly aggressive collectors. As we discussed in the previous blog, this law protects you from being called at inconvenient times; abusing, harassing, or misleading you; or contacting third parties about your debt. It applies only to debt collectors, not to original creditors. If your debt has been purchased or sent to a collections company, this law applies.
Florida Debt Harassment Protection
The Florida Consumer Collection Practices Act (FCCPA) prohibits all the actions in the FDCPA and goes one step further by offering protections from the original creditor. It also states that the debt buyer must give you thirty days’ notice before attempting to collect the debt from you.
The FCCPA prohibits the following actions:
• 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 To Do If You Are Being Harassed
If you live in the Tampa Bay/St Pete area, and believe that a creditor or debt collection agency has violated the FDCPA or Florida’s FCCPA, you may want to contact a debt collection harassment lawyer about your situation. With the Hoag Law Firm, your first consultation is free and we will help you understand the law and how hiring an attorney can help you to settle your debt. We will put a stop to harassment, negotiate on your behalf and is necessary, represent you in court. You will have the peace of mind that comes from stopping the harassment and having an experienced debt harassment lawyer on your side.
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.