Tamarac Creditor Harassment & Debt Collection Attorney
Falling behind on credit card and other payments can be extremely stressful. To add to that stress, you may be dealing with numerous phone calls and letters in the mail from creditors that demand repayment. While creditors and debt collection agencies maintain the right to contact you, laws are in place to protect consumers from harassment. If you believe that you are being harassed, reach out to a Tamarac creditor harassment & debt collection attorney to learn more about your legal rights.
What Constitutes Debt Collection Harassment?
Under the Fair Debt Collection Practices Act (FDCPA), which is a federal law, debt collectors and creditors are prohibited from harassing consumers. Per the law, then, creditors cannot:
- Threaten violence or harm;
- Use profane language;
- Conceal their identity when calling you;
- Make your debts public (i.e. cannot publish a list of debtors);
- Call you before 8:00 a.m. or after 9:00 p.m.;
- Call with the intent to abuse or harass;
- Make false threats about seizing property, having the debtor arrested, etc.; and
Your Rights if You’re a Victim of Creditor or Debt Collector Harassment
If you believe that your rights under the FDCPA are being violated, you should act quickly to contact a Tamarac creditor harassment and debt collection attorney who can explain your rights. In addition to contacting an attorney, other important things that you should do include:
- Record all communications with the creditor. Start writing down any communications you have with the creditor and, if possible, recording phone calls or messages that are left. If you bring forth a case against a creditor, these records will be an important source of evidence.
- Tell the creditor to stop contacting you. Per the FDCPA, if you request that a creditor stop contacting you–which you should do in writing–the creditor is legally obligated to adhere to your request.
- File a complaint. If the harassment continues, you should work with your attorney to file a complaint with the Federal Trade Commission. Depending on whether or not this resolves the issue, as well as whether or not you have suffered damages as a result of the harassment, you may also consider filing a lawsuit against the debt collector, too.
Your Debt Collection Attorney Can Help
If you are dealing with harassing debt collectors and creditors, one of the best things that you can do is contact an experienced debt collection lawyer who can represent you in all interactions. Merely hiring an attorney may help to put an end to harassment, as creditors may back down once you have legal representation. In addition to helping you to file a complaint or a lawsuit against a creditor, your Tamarac lawyer can also help you to understand your financial options for paying off your debt, consolidating your loans, filing for bankruptcy, etc.
To learn more about your rights and how a Tamarac creditor harassment and debt collection attorney can help, please call The Law Offices of Barry S. Mittelberg, P.A. today for a consultation. Our lawyer will work hard for you.