Fair Debt Collections Helpline, Fair Debt Collection Lawyers
In Florida there are certain laws that govern what creditors can and cannot do when they are attempting to collect a debt. This is called the Fair Debt Collections Act. Collectors can use alot of tactics which are actually against the law. If you are a victim of these tactics call our Fair Debt Collection Helpline and speak to a fair debt collections lawyer. A collector cannot: make embarrassing calls to you at work, call your neighbors, Tell you you will go to jail if you do not pay up, tell you they are a government agency, tell you that they will seize, garnish or sell your property, tell you that you will be arrested or imprisoned; threaten to tell credit information to any other person; lye about being employed by or from a credit bureau; tell you that you have committed a crime by not paying the debt , act like they are lawyers, use of a false or made up name; or refuse to disclose who they are and the purpose of the call.
Fair Debt Collection Act Overview
What types of debt collection practices are prohibited under the Fair Debt Collection Practices Act?
–Use of threats of violence or harm against the person, property, or reputation
–Publishing a list of consumers who refuse to pay their debts or advertise your debt (except to a credit bureau) or give false information about you to anyone
–Repeatedly using the telephone to annoy someone or telephone people without identifying themselves
–Falsely implying that they are attorneys or government representatives or misrepresent the involvement of an attorney in collecting a debt
–Falsely implying that you have committed a crime and will be arrested if you do not pay your debt
–Giving a false name when they contact you or falsely represent that they operate or work for a credit bureau
–Misrepresenting the amount of your debt or claim they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so
If you have been harassed by a collector and they have used these tactics call us to speak to a fair debt collections practices lawyer and learn about your legal rights under the Fair Debt Collections Act.
–Indicating that papers being sent to you are legal forms when they are not or indicate that papers being sent to you are not legal forms when they are or send you anything that looks like an official document from a court or government agency when it is no
–Claiming that actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take.
–Collecting any amount greater than your debt, unless allowed by law
–Using obscene or profane language
–Depositing a post-dated check prematurely
–Taking or threatening to take your property unless this can be done legally
–Making you accept collect calls or contacting you by postcard
–Calling your employer, neighbors, friends and relatives and revealing your delinquency to them [A delinquency can be revealed to a co-signor.]
If you are being harassed for a debt and any of these tactics are being used call our Fair Debt Collections Helpline today and speak to a fair debt collections lawyer. You may be able to make a claim against them under the Fair Debt Collections Act and receive compensation. You have the right to sue the debt collector. If a debt collection agency has violated the the law, the FDCPA gives you the right to sue the debt collector. Our fair debt collection attorneys work on a contingency and when you have one of our debt collection lawyers on your side all contacts must go through him or her. The harassing debt collection calls will stop.
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