Category: Collection Harassment

When consumers file bankruptcy, they often wonder whether a debt collector can still collect on a debt discharged in bankruptcy. The answer: No. Creditors must cease trying to collect a discharged debt from bankruptcy filers. Understanding Bankruptcy Discharge A bankruptcy discharge is a court order that releases a debtor from personal liability for certain debts. This means that the debtor is no longer legally required to pay any debts that are discharged. The discharge is a permanent order that prohibits creditors from taking any form of collection action on discharged debts, including phone calls, letters, and legal actions. Essentially, a… Read More

At the Ziegler Diamond Law: Debt Fighters, we understand how people feel when they are in debt. It can be overwhelming, and seem hopeless. There is help for debt collection harassment in St Petersburg. Consumer protections are in place to ensure that individuals are treated fairly and respectfully by debt collectors. Perhaps this is why so many people do not address the inappropriate and sometimes illegal behavior of debt collectors. Just because you are in debt does not mean you do not have rights. Understanding Debt Collection Harassment Debt collection harassment is a serious issue that affects many individuals who… Read More

If you’re accused of murder, you know you need to hire an attorney. But what if you just owe debts you can’t pay? When should you handle it yourself, and when do you need a Florida debt collection defense attorney? When you are already overwhelmed with debt, you may hesitate to get legal help, because you are afraid of just adding to your debt. However, understanding consumer law is crucial for navigating debt collection issues and protecting yourself from unfair practices. In many situations, a lawyer can save you money and give you a lifeline to getting your life back… Read More

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If you’re receiving countless calls from a debt collector, it’s easy to understand why your first instinct may be to ignore them and hold off on dealing with the debt. Although you might want to consider turning your phone on silent or blocking their number, this is often not your best option. With that in mind, this article is for you if you’re searching for an alternative to ignoring debt collectors and creditors. Continue reading to learn more about the financial and legal effects of ignoring collection calls and what you can do instead. After you’ve finished this article, contact… Read More

It’s enough to increase your heart rate and make you break out in a sweat. The debt collector is calling! Debt collectors have tricks up their sleeves, so you are right to be concerned when debt collectors call. If you owe a lot of money, it very well may be worth your while to hire a debt collection defense attorney who knows the ins and outs. But if you are planning to speak with a debt collector yourself, you need to be prepared. Consider the following advice. Keep calm Debt collectors like to keep you off balance, and often they… Read More

How a Creditor Gets a Default Judgment Against You If a creditor is unable to collect a debt from you, eventually they will file a complaint against you in court. The court issues a summons notifying you of the suit. The plaintiff must then properly serve you with the summons and complaint within the procedures set out by Florida law. In Florida, once you have been served, you have 20 days to file a response with the court if you want to avoid a default judgment. Should you miss that deadline, the plaintiff will then request the court to order… Read More

If you are struggling with debt, you will want to know about the latest debt collection limitations rules released  on December 18, 2020, that cover Information debt collectors must reveal to you about your debt When debt collectors can add information to consumer credit reports Limits on actions regarding debts that are past the statute of limitations for litigation Last month we told you that the Consumer Financial Protection Bureau (CFPB), after seven years of preparation, was releasing the Final Rule of the Fair Debt Collection Practices Act (FDCPA). The Final Rule was released in three parts, and last month… Read More

Last month, we advised you to check your credit report throughout the year. But you are not only checking for errors. One of the things you are looking for is whether you may be a victim of debt parking, sometimes referred to as passive debt collection. When you check your credit report, you may find it contains mistakes that indicate delinquent debts that you already paid or never owed at all. Those faulty debts are not always caused by mistakes. Unethical debt collection companies have been placing fake debts on consumer credit reports for the sole purpose of coercing payment… Read More