Debt Collection and Creditor Harassment Attorney
Orlando Debt Collection Harassment Lawyer, Camille Sebreth provides professional Debt Collection and Creditor Harassment Attorney legal services in Orlando, Orange County, Kissimmee, Osceola County, Altamonte Springs, Seminole County, and Central Florida.
Call 407.556.7589 about your legal needs in Orlando and Central Florida Debt Collection and Creditor Harassment legal needs.
Creditors will be very aggressive in their attempt to collect the debts you owe. Their calls can only be ignored for so long and not answering your phone will not stop them from calling. Debt collectors are relentless and will employ aggressive, and sometimes questionable, tactics to try and get you to pay. What they do not want you to know is that you have rights.
Once you retain our firm, you will be able to tell your creditors to contact us. Once a bankruptcy is filed, whether it is a Chapter 7 or a Chapter 13, creditors are PROHIBITED from collecting money from you on a debt that you owe.
If you are being harassed by collection agencies in situations which do not relate to a bankruptcy, it is important that you know, you do have rights, and laws which protect those rights.
According to the Fair Debt Collection Practices Act, there are specific guidelines which debt collection agencies must follow, and tactics which are prohibited by law.
Violations of the Fair Debt Collection Practices Act which are documented and reported may be costly to the companies which have chosen to fail to comply with the acceptable debt collection guidelines.
Practices which are considered violations of the Fair Debt Collection Practices Act include:
Harassment - Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
- use threats of violence or harm;
- publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
- use obscene or profane language; or
- repeatedly use the phone to annoy someone.
False statements - Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
- falsely claim that they are attorneys or government representatives;
- falsely claim that you have committed a crime;
- falsely represent that they operate or work for a credit reporting company;
- misrepresent the amount you owe;
- indicate that papers they send you are legal forms if they aren’t; or
- indicate that papers they send to you aren’t legal forms if they are.
Debt collectors also are prohibited from saying that:
- give false credit information about you to anyone, including a credit reporting company;
- send you anything that looks like an official document from a court or government agency if it isn’t; or
- use a false company name.
Unfair practices - Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
- try to collect any interest, fee, or other charges on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
- deposit a post-dated check early;
- take or threaten to take your property unless it can be done legally; or
- contact you by postcard.
Call 407.556.7589 to Schedule a Confidential Legal Consultation with Orlando and Central Florida Debt Collection and Creditor Harassment Lawyer, Camille Sebreth.