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.

Protection Against Debt Collector Harassment

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.

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.

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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.

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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.
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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.
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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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