Debt Collection Harassment

Debt Collection Harassment

Did you know there’s a Debt Collection Harassment attorney in Clearwater, from The Law Office of Mark A. Ziegler, PL? That’s right; when it comes to debt collection, you have your own set of legal rights. Consumers often have a misconception that when they owe a debt, they are at the mercy of their lender. This simply is not true.

Know Your Rights!
Debt collection law is regulated under numerous State and Federal laws. These debt collection laws, like many other statutes, are often difficult for the average consumer to understand. That is why you might need the assistance of a Clearwater creditor harassment attorney.

By hiring a professional creditor harassment lawyer from Clearwater, you have a better chance of understanding when your rights have been violated. You also have a better chance of upholding your rights and collecting any applicable damages.

Debt collectors do have restrictions for how they can pursue payment from consumers who owe them money. Consumers who have racked up some debts can feel more empowered if they understand their rights. Just because you owe money, doesn’t mean you can be harassed, threatened, or otherwise endure other unlawful repercussions. If you believe your rights have been breached due to Debt Collection Harassment, we encourage you to seek legal intervention right away.

Debt Collection Attempts
The attorneys at The Law Office of Mark A. Ziegler, PL have been safeguarding consumer rights when it comes to debt collection attempts for many years. We understand that while debt collectors can be annoying, sometimes they take it a bit too far and can actually break state and/or federal laws. Here are some things that debt collectors can and cannot do when seeking payments:

Cannot: Come Into Your Workplace

Debt collectors are not permitted to enter your workplace or contact an employer regarding payments. By doing so, it publicizes your debts and lets others know about your personal finances. While a debt collector may call you directly while at work, they cannot reveal their identity to an employer or coworkers. If you receive such calls while at your place of employment, you do have the right to request these attempts stop. By law, the collection agency must halt the Debt Collection Harassment. If they don’t, legal action can be taken. 

Can: Apply Reasonable Pressure

Debt collectors are permitted to apply a reasonable amount of pressure when seeking payments from consumers. This pressure can entail things like calling you daily or sending letters, as long as they are operating within the bounds of state and federal laws. However, this pressure cannot involve calling a consumer earlier than 8am, after 9pm, or during times that he or she has expressed are inconvenient. 

Cannot: Harass You into Paying

A debt collector can contact you, but isn’t permitted to make repeated calls, threaten violence, share private information about you, or use abusive language. Consumers may not realize that such behavior is considered Debt Collection Harassment, and can be actionable. Consumers may think that since they owe money, that the incessant harassment is okay. 

An attorney at The Law Office of Mark A. Ziegler, PL can fight for your rights and offer advice on how to get harassment to stop immediately. When meeting with us, we suggest bringing any evidence related to the harassment, such as phone call logs, voicemails, email exchanges, and letters in the mail. 

Can: Negotiate the Amount You Owe

In some cases, you may be able to negotiate how much you pay back directly with the debt collector since these agencies have fairly substantial profit margins. Thus, this provides them with more flexibility when negotiating payments from the consumer. You may be able to reach an agreement for a percentage of what you originally owed. 

If you are overwhelmed with relentless calls, emails, and letters from a debt collection agency, contact us without hesitation to book an appointment with an attorney. We will do what we can to see that your rights are being protected, and assist in taking legal action if needed. Don’t suffer anymore harassing phone calls, call us today!

Have Your Rights Been Violated?
Under these Federal and State laws, debt collectors have very specific rules as to how they may communicate with regard to debt collection. When a debt collector has violated these laws, the consumer may be entitled to collect damages from the debt collector. There are many activities that may violate collection law. For example, while collecting consumer debts, the collector is forbidden from engaging in the following tactics:

  • Emulating a government agency or law enforcement officers.
  • Telling the debtor his or her personal information regarding credit worthiness will be disclosed without notification.
  • Communicating or threatening to communicate with a debtor’s employer before a final legal decision has been made.
  • Reporting information (true or false) to any person outside the debtor’s family who has no legal right to such information.
  • Communicating with the debtor or the debtor’s family so frequently it is considered to be harassment.
  • Using obscene, vulgar, profane or abusive language with the debtor or any member of his or her family.
  • Attempting to enforce a debt or other legal action which is not legitimate.
  • Communicating in a way that implies the debt collector has been authorized or is acting on behalf of a government agency or attorney.
  • Emulating an attorney or using stationary of an attorney under false pretenses. This also includes oral communication that gives the false impression the debt collector is actually an attorney.
  • Publishing or threatening to publish a list of debtors, commonly referred to as a deadbeat list.
  • Refusing to provide necessary information to the debt collector’s employer or other entity if requested to do so by the debtor.
  • Using words on the outside of a written correspondence in an attempt to embarrass the debtor. For example, information visible on a postcard or a letter addressed to “Deadbeat Jon Smith.”
  • Contacting the debtor between the hours of 9pm and 8am unless permission has been granted by the debtor.
  • Communicating directly with the debtor when he or she has representation from an attorney and the contact information of said attorney has been shared with the debt collector.

Collection law violations in accordance with Florida Statute 559.72

Additional Information:

Get Help Now!
If you believe that a debt collector has violated collection laws, call us at (727) 538-4188 or fill out the form to the right. Depending on the facts of your case, we may be able to accept your case with no cost to you unless we recover from the debt collector. Don’t let yourself be victimized. Contact a Clearwater debt collection defense attorney today from The Law Offices of Mark A. Ziegler, PL about Debt Collection Harassment. 

Call Now for a Free Case Evaluation
Clearwater: (727) 538-4188 | Tampa: (813) 225-3111