Unfair Debt Collection

Woman Collection 2We represent consumers like you against debt collectors when they engage in unfair, abusive or illegal tactics. The Fair Debt Collection Practices Act (“FDCPA”) is the primary law that protects you from rogue debt collectors; we enforce the FDCPA.

Debt collectors cannot trick, cheat or abuse you on the phone, in writing or even in court. For example, the following debt collection practices violate the FDCPA:

  1. Trying to get more money from you than you honestly owe.
  2. Calling you at work when they know your employer prohibits such calls.
  3. Calling your family and friends in an attempt to collect on the debt.
  4. Trying to collect on a debt that you do not owe.
  5. Threatening to garnish your wages or bank account without a court order.
  6. Suggesting that you will be arrested for failure to pay the debt.
  7. Threatening to sue you on a debt that is too old, so that it is barred by the statute of limitations.
  8. Speaking to you in an abusive manner.
  9. Filing a lawsuit against you on a debt that is too old.

We can help you stop being the victim of these and other unlawful collection tactics. Because the FDCPA allows us to collect our fees and costs from the debt collectors, you do not need to pay us to represent you.  We only get paid from the debt collectors.

Against creditors, who like debt collectors engage in similar unfair, abusive or illegal tactics, we enforce the Florida Consumer Collection Practices Act (“FCCPA”).  Again, you do not have to pay our fees or costs.  If we win your case, the creditors will pay.

Problems with debt collectors and creditors

  • Collect more than you owe
  • Impose exaggerated charges
  • Threaten violence or harm
  • Use profane language or insults
  • Call repeatedly to harass or annoy
  • Falsely suggest that they are attorneys or government representatives
  • Threaten arrest or prosecution if you do not pay the debt
  • Threaten to confiscate your property or garnish your wages without having the legal right to do so
  • Call your friends, neighbors, family or place of employment
  • Report erroneous or false information to credit bureaus
  • Collect old debts which are time-barred by the statute of limitations
  • Collect debts discharged in bankruptcy
  • Try to collect a debt that does not belong to you

Watch some interesting videos about debt collectors: