Debt Collection Agencies


Have you been harassed by a Florida debt collection agency on this list? We can help. Our Florida collection agency attorneys are aggressive, knowledgeable, and here to defend your rights against unscrupulous consumer collection agencies. Companies with a consumer collection agency license are authorized to engage in debt collection services.

However, a licensed debt collector must adhere to Federal and Florida debt collection laws (i.e., financial regulation) when attempting to collect consumer debts. If they don’t, they can be held accountable for their illegal collection activities against individual consumers and small businesses. Past due accounts and money owed don’t give third-party collectors the right to harass you. Contact us today for a free consultation with a collection agency attorney you can trust.

Are You Harassed by Debt Collectors?

How to Fight Debt Collection Agency Harassment

Just because a business has a commercial collection agency license, it doesn’t mean it can break the law when attempting to collect debt. A collections business cannot engage in debt collecting activities amounting to harassment.

It’s not always easy to recognize a harassing collections agency due to hidden phone numbers, multiple trade names, and mysterious office addresses. Generally, if they don’t identify themselves before attempting to collect money or process payments, they could be guilty of harassment. Contact us today to learn how to identify and hold accountable a debt collector that’s infringing on your legal rights.

Regardless of resources, credit history, industry, or money owed, you don’t deserve to be harassed by Florida collection agencies. Contact Ziegler Diamond Law today for your initial consultation and free quote.

List of Florida Debt Collection Services

Are you a person or a company that’s faced harassment from a Florida collections agency listed below? If so, we can help regardless of what you owe, the number of delinquent accounts you have, or the number of missed payments on your account. Let us use our resources, connections, and industry knowledge to hold a Florida collection agency accountable.

Frequently Asked Questions (FAQs) About Harassment & Debt Collection Services

How Long Can A Collection Agency Go After You in Florida?

Under Florida law, a creditor has up to five years to sue customers for money they owe on a specific debt. However, the timeline no longer applies after a lawsuit has been filed. There are exceptions. Give us a call today to learn more.

How Do I Find Out What Collection Agency Has My Debt?

Generally, the best way to find out who owns your debt is to look at your credit report (i.e., Equifax, TransUnion, and Experian).

What Constitutes Harassment By Debt Collectors?

Regardless of the industry, a collection agency (i.e., business, team, or individual) must be aware of the legal rights of their customer. According to the Consumer Financial Protection Bureau (CFPB), harassment is unlawful and can lead to penalties.

That includes repetitive phone calls intended to annoy or abuse, using obscene language during collection calls, attempting to collect without telling Florida consumers who they are, and threats of violence against customers.

What Can You Do If You Are Being Harassed By Debt Collectors?

Individuals who have been harassed by a business with a commercial collection agency license or a consumer collection agency license can take the following steps (before you pay money) but are not limited to: 

  1. Write a letter to the consumer collection agency requesting them to cease communications with you.
  2. Note and document all instances of harassment and abuse perpetrated by a Florida collection agency business.
  3. File a complaint with the Federal Trade Commission (FTC).
  4. File a Complaint with the Florida Office of Financial Regulation.
  5. Consider suing the Florida collection agency that’s harassing you with the aid of an experienced law firm (like us)!

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.

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