Tampa Creditor Harassment Attorneys
Effective Legal Assistance Against Creditors & Collection Agencies
Once you have fallen behind on payments to your creditors, you will likely become a target for their collection attempts. These attempts can often include continuous phone calls, letters, texts, and emails. These can be annoying but also deteriorate into threatening and bullying that becomes what is commonly known as “creditor harassment.” Many of these types of behaviors have been deemed to be unfair or unethical under both Florida and federal law. Under those laws, you are protected from various abusive means used by creditors or collection agencies when trying to obtain payment.
As debt relief lawyers serving clients throughout the greater Tampa area, Grayson & Monroe, PLLC is dedicated to helping you get the relief you need from creditor harassment. You do not have to try to handle these agencies on your own who will likely not listen to you. Our legal team understands state and federal law, can identify where such agencies violate those laws, and take legal action against them to hold them accountable for their unlawful actions. With our decades of shared collective experience and a track record of successful litigation at your disposal, you can get the peace and quiet you need and deserve.
What Is Creditor Harassment Under the Law?
You may be wondering what a debt collector can or cannot do when trying to collect on a debt. Fortunately, this question has answers outlined under a federal law called The Fair Debt Collection Practices Act (FDCPA). From the beginning of any call or communication to you, the agent must clearly identify who they are and let you know that you have the right to dispute the debt.
Additional practices that are illegal under the FDCPA include (but are not limited to):
- Threatening you with violence if you do not pay
- Talking to third parties, such as relatives, friends, or neighbors about your debt
- Phoning you when you are at work after you have told them to stop this practice
- Using abusive or profane language or yelling when communicating with you
- Calling you before 8 a.m. or after 9 p.m. or other times that are inconvenient (such as on holidays)
- Making repeated/constant phone calls
- Threatening to sue you, call the police, or take criminal legal action when they have no intention or legal right to do so (debt collection is a civil not criminal matter)
- Requesting that you pay more money that what you actually owe by adding fees that it is not authorized to include
- Threatening to take your property when it has no legal authority to do so
- Continuing to communicate with you when you have turned the matter over to your attorney
In addition to the above federal law concerning collection agencies, you are also protected from various forms of creditor harassment under Florida’s Consumer Collection Practices Act (FCCPA). This law covers both collection agencies as well as original creditors. It includes the same protections as listed above as well as prohibitions against other forms of misrepresentation, misleading statements, and abuse.
If a creditor or collection agency violates state or federal law, you can take legal action against them in civil court. In such cases, you may seek and win actual damages, up to $1,000 in additional damages, and your legal fees and court costs. In some cases, punitive damages may also be part of your awards through the court.
Harassed by creditors? Phone us at (813) 644-3730 to arrange a free, initial consultation with a Tampa creditor harassment lawyer. Or fill out our online form to message us your contact information today.
Stop Harassment with Help from Grayson & Monroe, PLLC
Both state and federal law entitle you to bring a civil suit against an abusive debt collector or creditor. Our firm can help you recover compensation which you are rightfully owed under such laws. We advise you to bring your creditor harassment story to us so that we can determine the merits of your case. Get the knowledgeable legal counsel you need to fight back and defend your consumer rights.
Get in touch with us at (813) 644-3730 to get started.
Many of our clients have come across the same initial questions as they begin their journey to financial freedom. Visit our FAQ page to get some quick answers.