Whats the Difference Between Debt Collection and Harassment?

Do you have a debt or debts that you have fallen behind on paying? If you do, chances are good that you might also have collection people calling you. They can contact you to be paid, but as much as the law recognizes that fact, it also recognizes the fact that there comes the point when collection efforts become harassment, pure and straightforward. Debt collectors must operate within the law in their efforts to be paid, but when they cross the line between collection and harassment, you should contact a debt collection attorney to defend yourself from their illegal efforts.

Make no mistake about it, if you have a debt, you should do everything possible to pay it, but having a debt does not entitle anyone to harass you. This applies to any person who represents a creditor, whether it be someone who represents your credit directly or who are from a debt collection company and even a lawyer. In fact, they may contact you by means that only you can authorize. This means that if you expressly prohibit a creditor from contacting you at work by any means–calls, email, written notices–or anything else, they cannot do so.

A creditor is also prohibited from threatening you in any manner. According to Florida law, they may not accuse you of committing a crime, threaten a lawsuit, threaten arrest, or force you to sign any papers that they claim are legal documents but which are not. The truth is, however, that creditors often will do anything, legal or illegal to get their money. When they attempt illegal methods or even methods that might be considered slightly illegal, you should contact a debt collection lawyer to make sure that they stay within the law and that your rights are protected.

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 at 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.


Recent Posts