Florida Creditor Harassment Lawyers

Creditor harassment is defined as a creditor or business acting in a way that is harassing, oppressive or abusive in order to collect a debt. Because creditors usually establish their own in-house collections department, the person who works on their behalf to collect the debt is considered an employee of the creditor and therefore is exempt from the Fair Debt Collection Practices Act (FDCPA). Although you are not protected by the FDCPA, this does not give the creditor the right to threaten or intimidate you in any way. It also does not allow them to make any false claims regarding your debt or how they will collect it from you.

It is important to distinguish between a debt collector and a creditor. A debt collector is an agency or firm that acts on behalf of another company. They either have had the debt handed over to them or they have bought it from the company that you originally owed. When a debt collector calls you to collect a debt that you owe it is always important that you ask them where the debt originated from. It is your responsibility to find out exactly where the debt originated from, the amount, the length of time in default and any other important information. It is also your right to receive a copy of whatever invoice or bill they have on file for you. Always remember to find out exactly what terms need to be met and remember that no matter what, they are never allowed to harass you.

A creditor is any company that offers credit to borrowers/consumers. Every time you use your credit card you increase your debt to the lender, but only when this debt goes into a default does the trouble begin. If your payments are not made on time, or made at all, the creditor will begin to call you in an attempt to collect this debt. They are usually allowed to call between the hours of 8am and 9pm. If they call you at a time that is not convenient, you have the right to ask them to call you again at another time. If they call you on a telephone number that is not convenient (cell phone, work phone), then you have the right to tell them to call you elsewhere. At no time should a creditor ever become abusive towards you. They are held to strict laws that determine how they can go about collecting a debt. If the creditor communicated to you anything except information regarding the debt, they could be in violation of state and federal laws.

If you decide to hire a Florida creditor harassment attorney to help you with your debt, the creditors and debt collectors must discontinue any further telephone calls to you directly. Once you have hired a Florida lawyer to act on your behalf, they can no longer seek to collect the debt from you, as your attorney now acts on your behalf and in your regard.

If you suspect that you have become a victim of creditor harassment, please do not hesitate to call the Florida creditor harassment lawyers at Roberts Law Partners for your free and confidential consultation. Your privacy is our utmost priority.

ORMOND BEACH, FLORIDA
785 W. Granada Blvd. Suite 5
Ormond Beach, Florida 32174
Telephone: 386-677-6241
Fax: 386-677-9452