Stop Debt Harassment Calls

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 stop right after FL Legal Group files a suit or send a letter on your behalf.

2. 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.

3. 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.

4. I asked a debt collector to stop calling me, but I’m still getting calls. How can 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.

2. 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.
3. 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.