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Creditor Harassment and the Fair Debt Collection Practices Act

Are you being harassed by a creditor?

The Holland Law Group can help

What is Creditor Harassment?

Creditors will often take aggressive actions when attempting to collect on a debt. This can include making repeated phone calls, sending numerous letters, filing a lawsuit and reporting negative information to credit bureaus.

Creditors are required to follow to the Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer Protection Practices Act (FCCPA). These acts prohibit abusive collection behavior such as:

  • The use of slurs, foul or other derogatory language
  • Providing false and misleading information
  • Threatening legal action if no such action is planned
  • Making calls before 8:00 a.m. or after 9:00 p.m.
  • Make more than 7 calls within one week
  • Calling within one week after communicating with the consumer about the debt

Creditors must also follow the credit reporting requirements found in the Fair Credit Reporting Act, which includes due diligence when a dispute is submitted.  Creditors often violate the FCRA by validating inaccurate information that was disputed by the consumer. 

If a creditor commits a violation of the FDCPA, FCCPA or FCRA they can be held liable to the consumer for damages, attorneys' fees, and costs. 

What should I do if I am being harassed?

If you believe a creditor is harassing you, the best thing to do to preserve your rights is to keep a record of all interactions and communications. 

  • ·       Keep any letters they may send. 
  • ·       When they call, make a note of the time, date, the name of the person you speak with, the company they work for, the account they are calling about, and what they say.  Attorneys may be able to use this information to pursue a creditor harassment case on your behalf.  

How can an attorney help me?

Attorneys can usually provide the fastest means to either end the harassment or recover damages on your behalf. 

The Holland Law Group attorneys will make sure that you understand your rights and the options available to protect those rights.

How much does it cost to hire a creditor harassment attorney?

·       It costs $0.00 to retain Holland Law Group for a creditor harassment case.

·       We don't get paid unless you win. Creditors are required to pay our attorneys' fees in addition to the consumer's damages when they violate the FDCPA, FCCPA, or FCRA.

 Contact us today if you believe a creditor has violated your rights. We offer both free phone and office consultations.

Have you been sued by a debt collector?

If you have been sued by a debt collector we may be able to defend the case or settle the debt for less than the amount claimed. (Learn more about Debt Collection Lawsuits) (Learn more about Junk Debt Buyers such as Midland Funding, Portfolio Recovery Associates, CACH LLC, Cavalry SPV I and LVNV Funding)

Will Bankruptcy Help Me?

If you are unable to pay your bills and are heavily in debt, filing for bankruptcy can bring immediate relief. After your petition has been submitted, the court will issue an "automatic stay", which is a court order that stops all collection activities, including foreclosures, repossessions, garnishments, and most civil lawsuits.

If a creditor violates the automatic stay they may be required to pay for damages and your legal fees.

The Holland Law Group defends clients from the Suncoast to the Goldcoast

If you are being harassed by creditors, the Holland Law Group can help. We have represented thousands of clients in bankruptcy and debt defense matter, and will vigorously guard your rights. Our firm provides whatever legal advice and assistance is needed, and will stand up to creditors and collection agencies engaged in abusive practices.

Do not hesitate another day while your creditors pursue you relentlessly

Click here to schedule a free consultation by phone or in office or call us today @ 941-306-3601

Attorneys available in Jacksonville, Orlando, Tampa, Largo, Bradenton, Venice, Stuart, Miami

 

 

Contact Us Today

At Holland Law we focus on Consumer Bankruptcy and Debt Defense. We proudly serve Sarasota, Manatee and Charlotte Counties and expanding to serve all of Central and South Florida, from coast-to-coast. We offer free phone or in-office consultations in Bradenton, Sarasota, Lakewood Ranch, Port Charlotte and across the Central and South Florida region. Contact us through the form on this page or call us at (941) 306-3601 to speak with an experienced bankruptcy and debt defense attorney today. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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