Stop Debt Harassment

debt harassment

Debt harassment can affect your life, and the constant disruptive calls can make it difficult to accomplish your day to day tasks .

Are you suffering at the hands of harassing debt collectors? If so, the attorneys at FL Legal Group are here to help.

We understand that you are struggling financially. Trying to pay your bills and take care of your family.

The last thing you need is a harassing debt creditor taking illegal steps to pressure you into making payments and placing you in unjustified fear.

Our attorneys will help you understand your rights and pursue any action against those debt harassment creditors that violate consumer protection laws when they go after you.

We pride ourselves on being compassionate and aggressive attorneys who will champion your cause and get you the protection from the harassing debt creditors you deserve. 

How Do We Represent Our Clients
We represent clients under various consumer protections laws including the Fair Debt Collection Practices Act (“FDCPA”), the Telephone Consumer Protection Act (‘TCPA”), and the Florida Consumer Collection Practices Act (“FCCPA”).

These laws give you the ability to bring suit against harassing debt creditors when they cross the line attempting to collect on a debt from you.

debt collection

Common Violations

  • Calling before 8 a.m. or after 9 p.m.
  • Calling your job
  • Calling after you have asked them to stop
  • Calling after you have informed them you have an attorney
  • Placing pre-recorded, computerized, or robotic calls to your cell phone without consent
  • Trying to collect more than is owed on a debt
  • Saying they will garnish your wages or seize your property
  • Threatening to sue you, harm you, or destroy your credit.
  • Failing to notify you of your right to dispute your debt
  • Discussing your debt with third parties
  • Using profane or insulting language

What We Can Do For You

Our offer is simple: we will provide a free case evaluation or meet for a free consultation. If you have a case, we will represent you with no money out of pocket. If we win your case, the harassing debt creditor pays our fees.

We fight unethical debt collectors on behalf of consumers like you in the Tampa area and elsewhere in Florida. We will put an end to harassing phone calls and other abuse that violates any of these laws. We are on your side.

FL Legal Group Lawyers Can Help You Stop Debt Harassment

QUESTIONS  ABOUT YOUR RIGHTS:

  1. How do I get debt collectors to stop calling me?

First, you have to tell them to stop calling by either telling the caller "Stop calling me," or mail a one-sentence letter requesting that the calls stop. If they ignore you and you still get calls, it's time to call us. The calls will definitely stop right after FL Legal files a suit or send a letter on your behalf.

  1. I keep getting calls but they are not for me. Do I have any recourse?

If a debt collector is calling you by mistake, then they are probably violating the law. If they continue to call after you told them of the wrong number, it means they are knowingly breaking the law.

  1. How much does your legal service cost?

There is no out of pocket cost for up front for taking your case because we work on a contingency fee basis. That means that we do not get paid unless we win your case. When we do, depending on the facts of your case, either the harassing creditor will pay our fees directly, or we will retain a fraction of the monetary settlement recovered on your behalf.

  1. I asked a debt collector to stop calling me, but I’m still getting calls. How can be this be legal?

It may not be legal if the creditor is using an automatic dialer in a call center. You have the right to revoke consent to receive calls. Contact us as soon as possible as you may have a strong legal case.

QUESTIONS ABOUT THE LAW:

  1. What is the FDCPA?

This is the Fair Debt Collection Practices Act that set limitations on actions third-party debt collectors can and cannot take when collecting on outstanding debt from consumers. It provides consumers with the right to sue for monetary damages or injunctive relief when they have been a victim of harassment. If a violation is found, the consumer could win up to $1000 in statutory damages and any actual damages. In addition, the debt collector is responsible for any attorney fees.

  1. What is the TCPA?
    1. This is the Telephone Consumer Protection Act, which like the FDCPA, protects consumers from their original creditors and debt collectors who use an automated phone dialing system known as “robo calls” in order to harass consumers into paying outstanding debts, original creditor or debt collector violates the TCPA, a consumer is entitled to $500 to $1,500 per call.
  2. What is the FCCPA?
    1. Like the FDCPA, Florida has its own protections for when debt collectors harass you. The law protects people from debt collectors who violate the law by awarding as much a $1,000 plus court costs and attorney’s fees if you can prove a violation took place. Such a claim under the FCCPA must be filed within two years of the violation.

 

Our team strives to provide cost-effective, responsive legal representation to meet the needs and requirements of our clients.

Our practice is focused in the areas of Auto Accidents and serious Personal Injury, Wrongful Death, Motorcycle Accidents, Truck Accidents Personal Injury Protection (PIP or Florida Motor Vehicle No-Fault Law), Commercial Transactions, Insurance Law, Appellate Law, Family Law, Mortgage Foreclosure, Bankruptcy, Sinkhole, Community Association, Worker’s Compensation, Debt Collection Harassment, and General Civil Litigation.

Please feel free to call (813) 221-9500 to schedule a free consultation, or email Inquiry@FLLegalGroup.com to discuss the different aspects of your case. You can also visit our website: FLLegalGroup.com

 

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