Debt Collection Harassment
What Is Debt Collection Harassment?
Debt collection harassment occurs when collectors use abusive, unfair, or deceptive practices to collect a debt. Common tactics include:
- Constant phone calls at all hours.
- Threats of violence or legal action they cannot take.
- Using obscene or profane language.
Know Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA)
The FDCPA is a federal law that protects consumers from abusive debt collection practices. It gives you the power to:
- Stop harassment: Debt collectors cannot contact you before 8 a.m., after 9 p.m., or at your workplace if you've told them not to.
- Verify the debt: You have the right to request written verification of the debt to ensure its validity.
- Cease communication: You can demand collectors stop contacting you in writing.
Violations of the FDCPA
Examples of illegal practices:
- Misrepresenting the amount or legal status of a debt.
- Threatening arrest, lawsuits, or wage garnishment without legal basis.
- Discussing your debt with third parties, like neighbors or coworkers.
Our team of experienced consumer rights attorneys is here to help you fight back. We’ll provide a free case evaluation, take immediate action to end the harassment, and hold collectors accountable—all with no upfront fees. Don’t let debt collectors intimidate you; contact us today to learn your options and restore your peace of mind.
Your Dedicated Advocates in the Fight Against Giants
Here's What Sets The Consumer Lawyers Apart
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Clients Come First
We treat you how we would want to be treated, which means giving every client our personal cell numbers and fighting for you like family.
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Results Matter
We don’t take low ball offers and we don’t back down. We fight to get you every dollar you are entitled to under the law.
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Your Champion in the Fight
Our team has the resources, legal knowledge, and experience necessary to stand up to big banks and major corporations for you.
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Committed to Your Case
We only take a fee if we win, which keeps us invested in your case and lets us stand up for those who otherwise couldn’t afford a lawyer.
What to Do When a Creditor Harasses You
Experiencing creditor harassment can be distressing, but there are steps you can take to protect yourself and your rights. Our office can help with the following, and more:
- Keep detailed records: Document every phone call, email, or letter you receive from the creditor. This will serve as evidence if we need to take legal action.
- Send a cease-and-desist letter: We can formally request that the creditor stop contacting you. Once they receive this letter, they are legally required to cease all communications except to notify you of any legal actions they intend to take.
- Know your rights: We’ll familiarize you with your basic rights under FDCPA and other relevant laws in your state. We want our clients to know when their rights are being violated.
- Report the harassment: The creditor harassment lawyers in our Tampa office can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general's office. These agencies can investigate and take action against offending creditors.
- Protect your credit report: Monitor your credit report regularly to ensure that false or misleading information has not been added due to harassment. Promptly disputing any inaccuracies can be invaluable.
