What Is Creditor Harassment-How You Can Stop it Today!

Creditor harassment is when debt collectors use tactics that are prohibited by the Fair Debt Collection Practices Act also known as the FDCPA or Florida version the FCCPA. Just because you have outstanding or overdue debts, you still have the right as a consumer to be treated fairly and with dignity and respect. This act is a federal law created to help protect your rights by describing in detail exactly how debt collectors must behave, and the rules they must follow, when they are trying to collect from you. Some states also have their own similar laws, which may provide you with additional protection. A debt collector may communicate with you by mail, in person, by telephone or telegram. However, examples of some of the things that debt collectors can NOT do include:

*  call you at work if that is inconvenient for you

*  call you before 8 a.m. or after 9 p.m.

*  tell your family, neighbors, co-workers, boss or others about your debt

*  embarrass or humiliate you, get you fired from your job

*  threaten to garnish your wages or sue you unless they are attorneys licensed in your

    state

*  threaten violence or harm to you, your property or your reputation

*  threaten to arrest you

*  use obscene or profane language

*  call without identifying themselves

*  make false statements about the amount or legal status of your debt

*  say that papers being sent are legal papers if they are not

*  send you anything that looks like an official document from a court or government

    agency when it is not

 This is just a brief summary of some of your legal rights and what debt collectors are prohibited by law from doing. If a debt collector has violated your rights, we can help put an end to creditor harassment. We protect your right to fair, legal debt collection and make illegal debt collection activities stop. Debt collectors often use sophisticated tactics that many consumers do not realize or illegal. Some count on you being too embarrassed to ask for legal help and to fight back. You should not hesitate to stand up for your rights, but you should not try to do that alone. Fight these abusive and illegal collection activities, contact our attorney today so that we can help.

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