Orlando Collections Defense Attorney
If you find yourself in debt, it can feel as if you are being constantly harassed by collections agencies. It is possible to put an end to irritating, harassing, and time-consuming calls from collections agencies. Creditors who are owed a sum of money, or who believe that they are owed, employ debt collectors. Debt Collectors repeatedly call and contact debtors to harass them into paying. If you have been receiving calls for weeks on end, you are aware of damaging this practice can be to your everyday life. Do you find that everytime the phone rings your blood pressure goes up? Living in constant fear from debt collectors is a nightmare. Aubrey Law’s collections defense attorneys can put a stop to the harassment.
Debt Collection Practices That Are Illegal In Florida
It’s no surprise that many Florida residents are no strangers to debt. 80 percent of Americans are currently in debt. The most common form of debt is from a home mortgage. Millions of Americans struggle with mortgages on automobiles, student loans, medical bill debt, and credit card debt. If you are planning to file for bankruptcy because of debt that you cannot pay, there are measures to take that will halt debt collectors from calling incessantly. By proving their illegal practices, you may be able to find some relief. Debt collectors in Florida cannot:
- Continue to call you at work after you inform them to stop calling you there
- Threaten to harm you or another
- Threaten your or another’s reputation
- Use violence
- Call repeatedly
- Use obscenities
- Make false or misleading statements, such as that you committed a crime or threaten you with jail time
- Call between 8:00 AM and 9:00 PM your time
- Identify themselves as a bill collector
- Contact your spouse or parents.
- Use unfair collections practices
Any violation of one of these laws is a violation of the Fair Debt Collection Practices Act under the Federal Trade Commission (FTC).
Writing a Letter of No Contact
Writing a letter of No Contact is one method to get a collections agency to stop harassing you. Write a letter by certified mail and make sure that you get a return receipt, notifying you when the debt collector received your letter. This is a basic letter that needs to state that you do not want to be contacted by the collection agency again. Once the collector has received the letter, they can only contact you about an action that they plan to take. This might be filing a lawsuit against you, or notifying you that they will no longer be in contact with you. Depending on the situation, an attorney is usually needed to permanently put the calls to an end.
Aubrey Law can put harassing calls to an end
Aubrey Law assists clients who are in debt by putting an end to irritating and harassing debt collectors. of Please reach out to Aubrey Law’s Orlando office today to speak to Aubrey Law’s collections defense attorneys.
Are you getting harassed by debt collection agencies? Contact Aubrey Law, Attorneys and Counselors at Law. Our attorneys handle every legal representation from family law to elder law. Call us at (407) 647-7887 or send us a send us a message. Visit Aubrey Law’s Office. Aubrey Law serves Altamonte Springs, Longwood, Maitland, Orlando, Oviedo, Winter Garden, Winter Park and Winter Springs and surrounding areas.