Collection Abuse Attorney in Orlando
Orlando Collection Abuse Lawyer
Debt collectors are required to abide by certain regulations and where they do not, it is considered unlawful. The laws were put in place to protect the consumer and also the credit system. According to Florida state law debt collectors are legally not allowed to:
- Mail any particulars which disclose immediately any information which may harm the debtor' s reputation
- Manufacture or contribute any kind of list which is similar to a "blacklist" for debtors
- Reveal any information regarding your debt to your employer
- Disclose any information regarding your debt to anyone not in your immediate family
- Call your place of employment when you have asked explicitly for them not to do so.
- Call you before or after specific times of day
- Contact you at work when asked not to
- Use obscene language
- Calling your play of residence repeatedly with intent to elicit vexation
- Threaten violence against the debtor or his/her family or property
- Threaten to publish the debt
- Threaten to file a lawsuit when they do not intend to do so
- Threaten to do anything illegal
- Misrepresent themselves as an attorney, law enforcement official or from the government
If a debt collector has committed any of the above violations on you, speak with an Orlando debt relief attorney immediately.
About Collection Abuse
Collection abuse occurs quite frequently because consumers often do not know their rights. Unscrupulous debt collections are becoming more common in today's struggling economy. "Junk debts" are debts which are essentially worthless, bought for a small amount of what they were actually worth. The debt collector will then use illegal tactics to try and force the debtor into paying the full amount.
One way to defend yourself against harassment is to advise the debt collector that he/she is being recorded whenever he / she calls. Tell the collector that you want every statement made to you represented in writing and sent to you. Send the collector a debt validation letter after you receive their initial letter. Demand in your letter that they provide evidence of the debt which is owed. Speak with an attorney as soon as you possible, as legal action could be taken against those creditors who violate the law and you can get relief and payment from the legal action against them.
Orlando collection abuse attorney
immediately if you have been mistreated by a debt collector.