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:
False statements - Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
Debt collectors also are prohibited from saying that:
Unfair practices - Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
If you require professional legal services regarding Debt Collection and Debt Collection Harassment, be proactive in protecting your legal rights by seeking the legal advice of an experienced consumer debt collection attorney (lawyer) who proudly serves the Orlando, Orange County and Central Florida area. Contact the Law Offices of Camille Sebreth PLLC today at 407-556-7589.
Law Offices of
Camille Sebreth, PLLC
4604 Andrus Avenue,
Orlando, FL 32804