Creditor Harassment Lawyers
We Serve the Entire United States
Are you feeling overwhelmed by constant phone calls, emails, and letters from creditors? You’re not alone. Debt collectors contact millions of Americans every day. When that contact goes over the line and into harassment, the result can be stress, anxiety, and perhaps even physical illness. State and federal laws, such as the Fair Debt Collection Practices Act (FDCPA) exist to protect consumers from unfair tactics. The creditor harassment lawyers in our Tampa office exist to help you get the protection those laws are meant to provide.
We work with clients across the country. Call (888) 315-3150 or contact us online today to set up a free consultation.
Illegal Actions by Creditors
There are several tactics used by collection agencies that consumers simply don’t have to tolerate. They include:
- Calling outside business hours: Creditors are prohibited from calling you before 8 AM or after 9 PM. If they persist in contacting you during these restricted hours, they are violating your rights and engaging in harassment.
- Failure to disclose: Debt collectors must clearly identify themselves and inform you that the purpose of their call is to collect a debt. Moreover, they must disclose the nature of the debt, its amount, any fees and interest, and who the original creditor is.
- Exposing the debt to others: Creditors cannot share details about your debt with anyone other than you, your spouse, or your attorney without your consent. Doing so, which may be threatened as a humiliation tactic, is a clear violation of privacy laws.
- Baseless legal threats: Making threats of legal action without any intention or ability to follow through is a scare tactic that creditors sometimes use. These baseless threats are meant to intimidate you and are illegal under the FDCPA.
- Impersonating law enforcement: Some creditors may go as far as pretending to be law enforcement officers or government officials to coerce payment. This deceptive practice is strictly prohibited and can lead to severe penalties for the offending party.
Your Dedicated Advocates in the Fight Against Giants
Here's What Sets The Consumer Lawyers Apart
-
Clients Come First
treat you how we would want to be treated, which means giving every client our personal cell numbers and fighting for you like family.
-
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.
-
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.
-
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.
