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Fair Debt Collection Practices Act Protecting Your Future

Fair Debt Collection Practices Act

Have You Been Harassed by Creditors in St. Petersburg? Our Attorneys Can Help!

If you owe money you are struggling to pay back, chances are you’ve received phone calls or mail communications from creditors. These communications are never pleasant to receive, but there is a line between communication that is fair and appropriate and communications intended to annoy,abuse, or harass. That is why the Fair Debt Collection Practices Act was created- to protect consumers against inappropriate collection actions.

According to the federal statute, the purpose of the act is:

  • To eliminate abusive practices in the collection of consumer debts.
  • To provide consumers with a way of disputing and obtaining validation of debt information in order to ensure a debt’s accuracy.
  • To promote fair debt collection practices.

If you are dealing with debtor harassment that violates any of the protections in place under the Fair Debt Collection Practices Act, our St. Petersburg attorneys at Boss Law want to help. Our legal team has ample experience protecting individuals facing debtor harassment, and we want to use our knowledge and resources to help you stand up for your rights.

Call (727) 877-3188 today to get in touch with our firm. We offer free case evaluations and we truly care about protecting your rights.

What Types of Actions Are Prohibited Under the Fair Debt Collection Practices Act?

The following actions are considered harassment under the Fair Debt Collection Practices Act and are prohibited for their abusive and deceptive nature:

  • Calling people on the phone outside of the hours of 8:00 a.m. and 9:00 p.m. local time.

  • Continuing to communicate with a consumer after they have sent in a written request to cease communications, with certain exceptions, before the collector files a lawsuit.

  • Communicating with debtors at their place of employment after being advised that it is unacceptable to do so.

  • Contacting a consumer known to be working with an attorney.

  • Causing a telephone to ring or placing calls continuously and repeatedly in order to annoy the consumer.

  • Communicating with a consumer after a request of validation has been made.

  • Publishing a consumer’s name and/or address.

  • Misrepresenting or using deceit in order to collect on a debt.

  • Threatening legal action or arrest that is not actually contemplated or permitted.

  • Using abusive or profane language.

  • Revealing or discussing the nature of a debt with a third party (other than the consumer’s lawyer or spouse).

  • Reporting or threatening to report false information to a consumer’s credit report.

We Can Help You Fight Creditor Harassment

If you have experienced abusive or harassing behavior from a creditor or debt collection agency, do not hesitate to contact Boss Law as soon as possible. You may have grounds for legal action under the FDCPA. We can advise you on whether or not you have a case during a free consultation with an attorney at our firm. We have offered trusted legal solutions to Florida residents for several years, and have helped hundreds of people effectively resolve their cases.

To schedule your complimentary case review, call Boss Law today at (727) 877-3188. We represent consumers throughout St. Petersburg and the surrounding areas of Florida.

Our Clients Share Their Story

Hear From the Thousands of People We Have Helped
  • I was being harassed by phone solicitors, and they handled every aspect for me.

    “I had the best experience with Boss Law! I was being harassed by phone solicitors, and they handled every aspect for me. Very professional and extremely helpful! Many Thanks!!”

    - Donna Dellapelle
  • Within the first few minutes of our conversation, Chris made me feel at ease & hopeful again!

    “I only wish I had found Boss Law sooner! After hiring another costly company, my situation and confidence had only worsened. I was ready to give up. By the grace of God, I was introduced to Mr. Boss! ...”

    - Crystal Nicole
  • They are highly skilled, very responsive, and get the job done.

    “Best law firm out there to make your creditors and the credit bureaus pay for damaging your reputation and for not following the Fair Credit Reporting act. They are highly skilled, very responsive, ...”

    - Randy Hardy
  • You can be sure he is in your corner and he will only do what is in YOUR best interests.

    “I have known Chris for years. The first thing you will notice when you talk to him is that he is focused on YOU. You can be sure he is in your corner and he will only do what is in YOUR best ...”

    - Davis Morris
  • I would highly recommend Boss Law to anyone that is going through the foreclosure process.

    “I hired Chris Boss to represent me in a justified real estate foreclosure that involved a home with a questionable sinkhole repair reported by Pasco County five years after our purchase of the ...”

    - Leonard Sparks
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Values Our Firm Stand By

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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