Did you know there’s a Debt Collection Attorney in Clearwater? That’s right; when it comes to debt collection, you have your own set of legal rights.
Consumers often have a misconception that when they owe a debt, they are at the mercy of their lender. This simply is not true.
Know Your Rights!
Debt collection law is regulated under numerous State and Federal laws. These debt collection laws, like many other statutes, are often difficult for the average consumer to understand. That is why you might need the assistance of a Clearwater creditor harassment attorney.
By hiring a professional creditor harassment lawyer from Clearwater, you have a better chance of understanding when your rights have been violated. You also have a better chance of upholding your rights and collecting any applicable damages.
Have Your Rights Been Violated?
Under these Federal and State laws, debt collectors have very specific rules as to how they may communicate with regard to debt collection. When a debt collector has violated these laws, the consumer may be entitled to collect damages from the debt collector.
There are many activities that may violate collection law. For example, while collecting consumer debts, the collector is forbidden from engaging in the following tactics:
Emulating a government agency or law enforcement officers.
Telling the debtor his or her personal information regarding credit worthiness will be disclosed without notification.
Communicating or threatening to communicate with a debtor’s employer before a final legal decision has been made.
Reporting information (true or false) to any person outside the debtor’s family who has no legal right to such information.
Communicating with the debtor or the debtor’s family so frequently it is considered to be harassment.
Using obscene, vulgar, profane or abusive language with the debtor or any member of his or her family.
Attempting to enforce a debt or other legal action which is not legitimate.
Communicating in a way that implies the debt collector has been authorized or is acting on behalf of a government agency or attorney.
Emulating an attorney or using stationary of an attorney under false pretenses. This also includes oral communication that gives the false impression the debt collector is actually an attorney.
Publishing or threatening to publish a list of debtors, commonly referred to as a deadbeat list.
Refusing to provide necessary information to the debt collector’s employer or other entity if requested to do so by the debtor.
Using words on the outside of a written correspondence in an attempt to embarrass the debtor. For example, information visible on a postcard or a letter addressed to “Deadbeat Jon Smith.”
Contacting the debtor between the hours of 9pm and 8am unless permission has been granted by the debtor.
Communicating directly with the debtor when he or she has representation from an attorney and the contact information of said attorney has been shared with the debt collector.
Collection law violations in accordance with Florida Statute 559.72
Get Help Now!
Don’t let yourself be victimized by debt collectors. Contact a Clearwater debt collection attorney today.
If you believe that a debt collector has violated collection laws, call me at (727) 538-4188 or fill out the form to the right. You can schedule a free consultation with a qualified Clearwater litigation attorney from Clearwater at a time that is convenient for your schedule.
Depending on the facts of your case, I may be able accept your case with no cost to you unless I recover from the debt collector.