Orlando Collections Defense Attorney
As a debtor, or the person in debt, it is possible to have the annoying, harassing, and time-consuming calls placed by a collections agency put to an end. Creditors who are owed a sum of money, or who believe that they are owed, often employ debt collectors to repeatedly call and contact debtors to get them to pay up. If you have been receiving calls for weeks on end, you know just how damaging this practice can be to your normal day-to-day routine. Every time the phone rings, your heart rate increases a few beats and your blood pressure rises. Being in constant fear from debt collectors is no way to live, and an Orlando collections defense attorney can help put this to an end.
Illegal Debt Collection Practices
Most Florida residents are no strangers to debt. In fact, 80 percent of Americans are currently in debt, according to CNBC News, with the most common form of debt coming from a home mortgage. Mortgages on automobiles, student loans, medical bill debt, and credit card debt are all types of debt that millions of Americans struggle with. If you are planning to file for bankruptcy because of debt that you cannot pay, there are steps to take that will stop debt collectors from calling incessantly. In fact, you may find some relief by proving that they are already breaking the rules. Debt collectors cannot:
- Continue to call you at work if you have told them not to call 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, parents if you are a minor, and co-debtors if you have sent a letter requesting the debt collector to stop contacting these parties unless the debt collector is attempting to find out where you are; or
- Use unfair collections practices.
A violation of one of these rules is a violation of the Fair Debt Collection Practices Act under the Federal Trade Commission (FTC).
Filing a Letter of No Contact
One of the ways to have a collections agency stop harassing you is to write a letter by certified mail and make sure that you get a return receipt, notifying you when the debt collector received the mail. The letter simply needs to say that you do not want 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, such as filing a lawsuit against you, or to inform you that they will no longer be contacting you. However, an attorney is usually needed to make the calls truly come to an end.
Put the Harassing Calls to an End by Contacting an Orlando Collections Defense Attorney
The Orlando collections defense attorneys of Sperling Ducker PLC assist clients who are in debt by making harassing debt collections calls stop. Please reach out to our Orlando office today to speak with an attorney.