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.