Debt collectors are required to abide by certain regulations. The laws were put in place to protect the consumer and also the credit system. Per Florida state law debt collectors are legally not allowed to do the following:
If a debt collector has committed any of the above violations on you, speak with an Orlando debt relief attorney immediately.
Collection abuse often occurs because consumers do not know their rights. Unscrupulous debt collections are becoming more common in today's struggling economy. "Junk debts" are debts that are essentially worthless, bought for a small amount of what they were worth. The debt collector will then use illegal tactics to 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 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 they provide evidence of the debt that is owed. Speak with an attorney as soon as you possible, as legal action could be taken against those creditors who violate the law. You can seek relief from their harassing efforts.
Have you been mistreated by debt collectors? Contact a collection abuse attorney immediately to understand your legal rights and options.