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Creditor Harassment  Don’t Face Debt Collectors Alone

St. Petersburg Creditor Harassment Lawyers

20+ Years of Collective Experience to Lend to Your Case

Are you dealing with creditor harassment? Are you receiving threatening or unwanted phone calls? Our creditor harassment attorneys in St. Petersburg are highly skilled and can provide you with the legal assistance you need to properly deal with agencies and debt collectors who do not follow the law. Let us help you defend your rights and stand up against abuse in St. Petersburg, Florida. Get in touch with Boss Law now and request a free, no-obligation case evaluation.

What is The Fair Debt Collection Practices Act (FDCPA)?

The Fair Debt Collection Practices Act (FDCPA) is a federal statute that establishes how a debt collector can legally and appropriately deal with a consumer. This law also establishes the parameters in which a creditor can communicate with a consumer about their debts. If an agency harasses you by violating this law, in Florida you have the right to pursue sanctions against them and request a financial compensation. If a debt collector violates these boundaries, a consumer may be able to collect damages of $1,000 per violation.

What is Considered Creditor Harassment?

There are many opportunities to seek compensation when a creditor harasses you in methods outside the boundaries set by the FCCPA and FDCPA. Just a few examples of ways your creditor might have harassed you include:

  • Calling you before 8:00 am or after 9:00 pm
  • Using, or threatening to use, violence against you
  • Contacting you at work or school without permission
  • Informing nonexempt third parties about your debt
  • Asking you to pay more than you actually owe
  • Using an auto-dialer program to leave a computer-generated message
  • Using profane or threatening language
  • Repeatedly emailing, calling, or mailing you after you expressly asked for limited contact

Call us today at (727) 877-3188 to stop aggressive creditors in their tracks with the help of our consumer protection lawyers.

Other Safeguards Against Creditor Harassment

Remember, debt collectors must be careful not to violate your privacy when talking about your debts. They cannot just tell everyone in St. Petersburg about them, such as your neighbors, family, children and even co-workers. This is a serious violation that may entitle you to monetary damage.

Not only must creditors use discretion in contacting only you, rather than discussing your circumstances with third parties, but creditors cannot lie to you by wrongly advising you. For example, many consumers are told that their debt cannot be discharged even when bankruptcy is actually an option. This is a case of outright deceit, since bankruptcy does allow consumers to completely discharge their debt. Creditors lie about this just so they can continue harassing you to collect your debt. Such behavior is a violation of state and federal law.

There are several acts which were created to protect consumers, including:

  • the Florida Consumer Collection Practices Act (FCCPA),
  • the Fair Debt Collection Practices Act (FDCPA),
  • and the Telephone Consumer Protection Act (TCPA).

The TCPA was specifically created to regulate overbearing telemarketers while establishing rules for how companies and organizations can contact consumers.

The TCPA regulates telephone calls made to your cell phone by automatic telephone dialing systems or automated or pre-recorded messages.

If you receive harassing telephone calls on your cell phone, you should advise the caller to stop calling you and to cease and desist all future calls. If the calls continue, speak with our attorneys immediately about TCPA violations.

Contact us now at (727) 877-3188 so that Boss Law can help you get rid of creditor harassment once and for all.


Where does it come from?

Where does it come from?

Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical Latin literature from 45 BC, making it over 2000 years old. Richard McClintock, a Latin professor at Hampden-Sydney College in Virginia, looked up one of the more obscure Latin words, consectetur, from a Lorem Ipsum passage, and going through the cites of the word in classical literature, discovered the undoubtable source. Lorem Ipsum comes from sections 1.10.32 and 1.10.33 of "de Finibus Bonorum et Malorum" (The Extremes of Good and Evil) by Cicero, written in 45 BC. This book is a treatise on the theory of ethics, very popular during the Renaissance. The first line of Lorem Ipsum, "Lorem ipsum dolor sit amet..", comes from a line in section 1.10.32.

The standard chunk of Lorem Ipsum used since the 1500s is reproduced below for those interested. Sections 1.10.32 and 1.10.33 from "de Finibus Bonorum et Malorum" by Cicero are also reproduced in their exact original form, accompanied by English versions from the 1914 translation by H. Rackham.

Frequent Mistakes Found on a Credit Report Include:

  • Incorrect credit information, including accounts, are listed as open even if you closed them
  • Late or missed payments
  • Tax and judgment liens that you have paid correctly
  • False account statements such as being stated as a cosigner
  • Delinquent account that is at least seven years old or more, etc.
  • Incorrect inquiry information such as unauthorized accesses to your private information
  • Incomplete or incorrect personal information such as name, marital status, address, or current or past employment
  • Non-existent criminal records on the background check report such as sexual assault, arrests, felony, and various misdemeanors
  • Incorrect public record information such as bankruptcies that you filed more than ten years ago or just never filed at all, or lawsuits that you were not involved in

Ways Our Attorneys Can Help You

Helping You Take the First Steps Towards a Debt Free Life

There are several acts which were created to protect consumers, including the Florida Consumer Collection Practices Act, the Fair Debt Collection Practices Act, and the Telephone Consumer Protection Act. This third act, in particular, was passed by Congress and is very similar to the FDCPA. It originally regulated overbearing telemarketers while establishing rules for how companies and organizations can contact consumers.

Recently, however, this bill was expanded to include debt collectors. The TCPA now protects people from “auto-dialers” or computer programs that call multiple lists of people, leaving short computer-generated messages.

If this has happened to you, you should send your creditor a basic cease and desist letter via certified mail. If the calls continue, speak with our attorneys immediately about Telephone Consumer Protection Act violations. You can also talk to our knowledgeable St. Petersburg creditor harassment lawyers about auto loan payments, so that we can adjust your monthly payments and interest rates so that you would not even need to worry about debt collectors in the first place.

Contact us now at (727) 877-3188 so that Boss Law can help you get rid of creditor harassment once and for all.

Attorneys Who Are Here to Guide You Every Step of the Way

Credit Report Mistakes

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Learn Why Clients Choose Boss Law 
  • No Fee Unless We Win!

    Your consultation is free and with an experienced attorney. You don't pay any "out of pocket costs" unless we win!

  • Focused on Your Rights

    If you’re dealing with unfair debt collection practices or creditor harassment, we will fight for your legal rights.

  • We Care

    When you hire with Boss Law, you can rest assure your well-being is our priority. We strive to make the process as stress-free as possible.

  • Experience

    Our attorneys are backed by more than 20 years of combined legal experience and can help you choose the best path for your legal matter.

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