Tampa Area Debt Collection Harassment
You may owe money, but you still have rights. If you are suffering Tampa area debt collection harassment, you can get relief from the harassment by calling a good debt collection harassment lawyer like Brian Hoag.
What is Tampa Area Debt Collection Harassment?
The federal government and the state of Florida both have laws against debt collection harassment. You may be entitled to collect damages if a debt collector violates the law.
The Fair Debt Collection Practices Act covers personal debts such as medical, credit card mortgages and other loans. It limits the behavior of debt collectors. The Florida Consumer Collection Practices (FCCPA) includes all the federal act and provides protections from the original creditor. It also requires that any debt buyer give you thirty days’ notice before attempting to collect. Neither act covers business debts.
- Pretending to be a government official or an attorney
- Contacting you between 9 p.m. and 8 a.m. without your permission
- Threatening violence or using profanities when speaking to you – don’t be goaded into being rude to a collector. It can work against you if the phone calls are replayed in court.
- Sending letters that look like attorney or governmental letters but that are not
- Contact third parties about your debt – keep your contact information up-to-date and the debt collectors generally cannot contact third parties.
- Speaking to your employer except under limited conditions – see above
- Sending derogatory messages about you to a credit reporting agency
- Sending information on a postcard – this can include social media.
- Attempting to collect an expired debt – there is a limited amount of time to start debt collection proceedings. In general, it is five years, although it depends on the type of debt. Do NOT make a good faith payment on any loan until you speak with a debt harassment attorney. This payment can restart the five-year expiration clock.
- Hiring an unlicensed credit collection agency
- Communicating with you if you are represented by an attorney
Choices after Tampa Area Debt Collection Harassment
If you are on the receiving end of any of these actions, you should contact a debt collection harassment lawyer. Don’t put up with harassment. Your first meeting with Brian Hoag is always free.
About Brian Hoag
Hopefully, you will never need the legal services of a Tampa personal injury lawyer specializing in debt collection harassment. If 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. Think how great it will to get back to living your life.