Coral Springs Creditor Harassment & Debt Collection Attorney
Save Your Sanity
The stress and worry of overwhelming debt are enough to keep you up at night and consume your thoughts during the day. Your distress is only heightened by the constant harassment of creditors and bill collectors knocking on your door and calling you at all hours. The Law Offices of Barry S. Mittelberg can help you save your sanity by putting an immediate halt to creditor harassment while guiding you through the appropriate means to lasting, effective debt relief. Call our Coral Springs creditor harassment & debt collection attorney for affordable debt solutions in Florida.
Stop Creditor Harassment
If you’ve fallen behind on your bills, don’t expect sympathy or accommodation from your creditors. On the contrary, creditors can be ruthless and relentless in their attempts to get you to pay. Their actions may range from the obnoxious and annoying to the scary and threatening. Filing for bankruptcy, either Chapter 7 or Chapter 13, puts an immediate halt on these activities. This is due to a bankruptcy provision known as the automatic stay, which tells creditors you have filed for bankruptcy and they should leave you alone while the bankruptcy court sorts out what to do with your debts. If creditors still want to continue with collections, they have to apply to the court for relief from the stay. The automatic stay puts a stop to all types of collections activities, including:
- Calls and letters
- Wage garnishment
- Property liens
- Freezing bank accounts
If bankruptcy is not in your best interests, we can negotiate solutions with your creditors to get you on a payment plan or settle your debts. When you are represented by an attorney, your creditors deal with us directly and leave you alone.
Stop Unfair Debt Collection
Laws are in place to prevent unfair debt collection, such as the Fair Debt Collection Practices Act (FDCPA). Under the FDCPA, bill collectors can’t use abusive, unfair or deceptive tactics, such as claiming to be an attorney, claiming you will go to jail, or claiming you owe more than you do. Moreover, bill collectors are subject to a host of restrictions on their activities. For example, bill collectors are prohibited from:
- Calling you before eight in the morning or after nine at night
- Contacting you at work after you’ve told them you can’t receive calls at work
- Contacting others about your debt except for limited contact to locate you
- Continually calling you for the purpose of annoying or harassing you
- Using obscene or profane language or threatening violence
You can actually sue bill collectors for violating the FDCPA and can recover money damages every time they violate the law. You can recover for any actual harm done to you or $1,000 in statutory damages per violation, plus your attorney’s fees and costs will be paid by the bill collector.
In addition to the federal FDCPA, Florida has its own law against unfair debt collection. One advantage of the Florida Consumer Collection Practices Act (FCCPA) over the FDCPA is that the FCCPA applies against the original creditor who holds your debt, and not just third party bill collectors who have been hired by the creditor or who purchased your debt from the original creditor. This means the same abusive tactics prohibited by the FDCPA against bill collectors also applies against your credit card company, the finance department where you bought your car, furniture and appliance stores, cell phone and electronics stores, and more. The FCCPA prohibits a long list of deceptive, threatening and harassing practices and allows you to recover punitive damages as well as actual or statutory damages and attorney’s fees and costs.
Take Back Control of Your Life with the Help of Attorney Barry S. Mittelberg in Coral Springs & Orlando
Don’t let creditors and bill collectors ruin your life. Take back control now by calling the Law Offices of Barry S. Mittelberg in Coral Springs and Orlando for a free consultation with an experienced and caring attorney regarding bankruptcy, debt relief and stopping unfair debt collection and creditor harassment.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.