Florida Debt Collection Agencies List

How Many Phone Calls From A Debt Collector is Considered Harassment?

The volume of calls that are considered harassing can be a somewhat subjective standard. It is more likely for call volume to be viewed as harassing if you have told the collection agency to stop calling one or more times. Some case law has found a debt collection agency violates the Fair Debt Collection Practices Act (FDCPA) if they call a customer more than seven times within a 7-day period or call you within seven days after having a conversation with you about a specific debt or repayment service for a particular debt.

What Is The 11 Word Phrase to Stop Debt Collectors? (i.e., Drop Dead Letter)

Suppose a collection business is contacting you too frequently. In that case, you can use the following 11-word phrase to stop them in their tracks, “Please cease and desist all calls and contact with me, immediately.” The request should be made in writing to comply with the FDCPA. It’s important to note that stopping phone calls doesn’t mean you don’t owe the business. Depending on the circumstances, they can still potentially sue you for what’s owed.

How Can I Get a Collection Removed Without Paying?

It is worth knowing that even if a creditor has violated harassment laws, that generally does not make the debt go away (but you could be entitled to compensation). Likewise, just because a debt does or does not appear on your credit, that does not always mean you don’t owe the debt. Often, I talk to consumers who have previously used “credit repair companies,” so that the bad debt doesn’t show on their credit report anymore; but the debt can still be collected upon. There really are almost no sure fire ways of making a debt “go away,” without payment, absent fairly unique circumstances or passing the “statute of limitations.” The statute of limitations can be a significant protection, but often consumers are misinformed on how it works; In most cases, it’s in your best interest to consult with a proven attorney to evaluate your rights. That’s because a lawyer can help you negotiate with creditors, explain your legal options, and defend you in court in case you get sued. Give us a call today to discuss the details of your case and learn how we can help.

How Can You Prove Harassment?

Typically clients who owe money to businesses offering collections services don’t have the resources, time, or legal knowledge of the process to prove harassment. When you work with our office, we help customers prove harassment by taking the following steps:

• Identify the business attempting to obtain collection revenue while harassing you.
• Collect evidence of collection service harassment, including documents, previously collected payments, and referring to your credit report for additional information.
• Submit a formal complaint (including pertinent documents and your credit report) to the appropriate authorities.
• Take a collection services business that refuses to follow the law to court on your behalf.