Individuals who have fallen behind on payments may know how relentless some creditors can be. In an effort to collect debts, creditors may make harassing phone calls, send threatening letters and even visit people’s homes. Although creditors are legally allowed to take additional steps to collect on past-due accounts, there are laws that limit their activities.
The Fair Debt Collection Practices Act (FDCPA), the Florida Consumer Collection Practices Act (FCCPA) and the Telephone Consumer Protection Act (TCPA) all exist to protect individuals from creditor harassment.
At Yesner Law, we understand the debt collection laws, and we know when the rights of our clients have been violated. Attorney Shawn Yesner educates clients throughout Tampa about their rights and takes action when creditors violate the laws.
Understand The Rights Granted By The FDCPA
Many individuals who have been subjected to creditor harassment do not realize that the creditors’ actions were illegal. According to the FDCPA, it is illegal for creditors and collection agencies to:
- Call at inconvenient times, including before 8 a.m. and after 9 p.m.
- Contact a debtor directly if they know he or she is working with a lawyer
- Call the debtor at work if he or she has already informed them that taking personal calls at work is not allowed
- Threaten the debtor with violence
- Use obscene or profane language
- Call the debtor repeatedly
- Call the debtor without identifying themselves as a bill collector