Debt Collector Harassment

Are Your Rights being Violated?

Federal and Florida State laws protect consumers from debt collection harassment. Here at Hall Law Office, we are committed to stopping debt collectors from engaging in unlawful behaviors! Many debt collectors across the United States are using unfair, above, unethical and illegal methods to collect their debts.

The Federal Fair Debt Collection Practices Act (FDCPA) is in place to stop debt collectors from harassing consumers using deceptive and unfair tactics. FDCPA only applies to third party debt collectors. To qualify under the FDCPA, the debt must not be a business debt and must have been incurred for primarily personal, family, or household purposes. While the Florida Consumer Collection Practices Act (FCCPA) provides additional protection against original creditor collections.

If you’re being harassed by debt collection, please do not hesitate to Contact Us for more information and to begin the process of establishing your defense. We will partner with you to stop the harassment and, if it proceeds, we will sue them for the harassment and recover damages.

Common Violations

  • Calling at a location known to be inconvenient, such as your place of employment.
  • Calling before 8:00am or after 9:00pm.
  • Calling you too much, mostly to bother you, upset you, annoy you, harass you, or abuse you. Using profanities.
  • Informing anyone else that they are trying to collect a debt.
  • Making false representations that the caller is an attorney.
  • Making false threats that failing to pay will result in an arrest, imprisonment or other taking of one’s property.
  • Suing you in a county you don’t live or not where you entered into the debt agreement.
  • Continued calls from debt collector after telling them you’re being represented by an attorney.
  • Failing to tell you they are a debt collector before saying anything else.
  • Making threats to harm you and/or your family physically, or your property.

We file lawsuits under the FDCPA and FCCPA if we believe the case is strong enough and the debt collector is viable and can be traced. Unfortunately many debt collectors use call spoofing tactics making it extremely difficult to actually track down who the entity is.

If you are being harassed by a known debt collector, Contact Us today. You may be entitled to $1,000 per violation.

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