If you have ever dealt with recovering from debt, you’re probably familiar with debt calls that simply will not stop. Debt collectors in Kissimmee can be relentless in their attempts to recover debt and these intrusive and sometimes threatening calls can be stressful and embarrassing for recipients.
You may not realize it, but there are both state and federal laws that protect people from debt collectors and their harassment. Our debt harassment attorneys can help as well.
If you or someone you love is being hounded by debt collectors, our attorneys in Kissimmee may be able to help make the calls stop. You may even be able to recover compensation for damages owed to you as a result of their unfair debt collection practices. Fill out our free, no-risk case evaluation form to learn more today.
Common Harassment Tactics from Debt Collectors
In an effort to get you to admit to debt and pay up, many debt collectors will stoop to unfair debt collection tactics. These may include:
- Calling you at work
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Abuse and intimidation
- Lies or misrepresentation
You are protected from tactics like these and other harassment by both federal and state laws.
Laws That Protect You From Debt Harassment in Kissimmee
The Fair Debt Collection Practices Act is a federal law that prohibits debt collectors from abusing or harassing people over debt or unpaid bills. In addition, this piece of legislation allows consumers who have been illegally harassed by debt collectors to sue for monetary damages. Under the FDCPA, debt collectors cannot:
- Threaten violence or defamation
- Use abusive language
- Publish your name
- Misrepresent the amount of alleged debt
- Impersonate law enforcement
- Misrepresent the penalties of non-payment
- Add unauthorized charges or fees
- Threaten to repossess property
In addition to this federal law, our state also has legislation designed to stop deceptive debt collection tactics. The Florida Consumer Collection Practices Act also limits what bill collectors can and cannot do in order to get you to pay a debt, and it also covers original creditors, not just debt collectors and third party debt buyers.
How a Debt Harassment Attorney Can Help
Our debt harassment attorneys in Kissimmee will fight on your behalf to make the calls stop. If a debt collector contacts you without sufficient proof of debt and uses illegal tactics to try and collect money, our attorneys may be able to recover compensation for you, including attorney fees and up to $1,000 in additional statutory damages.
Harassment is unacceptable. If you or someone you love has endured harassment from a debt collector, we may be able to help. Fill out our free, no-risk case evaluation form today to learn more.