Credit Harassment - Unlawful Debt Collection
If you or a loved one is facing overwhelming debt, bankruptcy or foreclosure, it is very possible that you have been the victim of some form of creditor harassment. It is important to contact an attorney experienced with these matters as soon as possible. You do have rights as a consumer, and you do not have to be subject to this type of harassment or creditor abuse.
At Kotler Law, we provide an invaluable service to our clients – at no additional cost. You will owe nothing for our creditor harassment representation unless we are able to recover compensation for you as a result of the creditor’s or debt collector’s unlawful practices. If you have been the victim of unlawful debt collection we may be able to recover up to $1,000 under the FDCPA and $1,000 under the FCCPA.
In the event that we prove creditor harassment or abuse and recover on your behalf, the offending creditor will be held responsible to pay for all attorneys’ fees and costs for filing, prosecuting and settling the case. Call Kotler Law today!
Protection against Creditor Harassment
The Federal Fair Debt Collection Practices Act (FDCPA), Florida Consumer Collection Practices Act (FCCPA) and Telephone Consumer Protection Act offer consumers protection against creditor harassment. Unfortunately, some creditors still utilize a number of unlawful practices in their attempt to collect the money they are owed. Under the Fair Debt Collection Practices Act (“FDCPA”), debt collectors are strictly prohibited from behaving in a way that can be classified as harassing. This includes calling debtors at all hours of the night, using offensive language, persistently communicating with a debtor at their place of work after being asked to desist and misrepresenting facts in any way possible – including claiming that the consumer owes more than they actually do or that they face possible arrest should they not pay. If a debt collector does not abide by the guidelines set forth by the FDCPA, they can be accused of creditor harassment.
Attorney Representation Regarding Debt
Calls to Family & Friends
Calls to Work
Cease & Desist
Consumer Protection Center
Collection Calls & Voicemails
Collection Letters & Billing Statements
Credit Reporting as Collection
Debt Collection Companies
Fair Debt Collection Practices Act (FDCPA)
Florida Consumer Collection Practices Act (FCCPA)
Florida Deceptive and Unfair Trade Practices Act (FDUTPA)
Revoking Consent to Collect
Spam Text Messages
Telephone Consumer Protection Act (TCPA)
Debt collectors know that a person in debt is likely to be embarrassed by the situation or may feel overwhelmed. They prey on these emotions and may use threats to try to coerce a debtor into paying. They may demand money that the debtor does not actually owe. They may contact friends and family members or pretend to be someone else in an attempt to pressure a debtor.