Creditor Harassment and Debt Collection State Laws in Cutler Bay
No individual should suffer through harassment from a debt collector or creditor when they experience difficulty paying their bills. Florida residents who fall victim to unfair debt collection practices should remain aware of their rights.
The State of Florida, as well as Federal legislatures, established laws regarding unjust, harassing debt collection activities. This is what we call the Fair Debt Collection Practices Act (FDCPA). The act prevents debtor abuse by debt collection agencies.
Fortunately, consumer protection from creditor harassment doesn’t need to end with these laws. For example, on a state level, Florida imposes debt collection state laws in Cutler Bay that protect consumers from debt collection agencies and creditors. This is called the Florida Consumer Collection Practices Act (FCCPA).
Fair Debt Collection Practices Act (FDCPA)
The United States implemented the Fair Debt Collection Practices Act in 1978 to abolish abusive or harassing behavior during debt collection activities. This act additionally encourages fair debt collection, providing consumers with an opportunity to dispute debts while receiving valid, accurate debt information.
The act also outlines how debt collectors and creditors can conduct proper business and defines consumer rights involved in debt collection penalties. The FDCPA determines specific penalties and resolutions concerning any violations of the law.
As a result of recent economic issues, the FDCPA receives more attention now than ever. This is also consequently derivative of a newer legal practice are; consumer debt collection defense. Lawsuits in regards to reimbursement for violations of FDCPA laws are now more popular than ever.
In any situation concerning the FDCPA, debt collection issues, and harassing or abusive behaviors from a debt collector or creditor, the assistance of a legal firm that possesses experience with debt collection state laws in Cutler Bay remains crucial. A qualified attorney wielding the necessary knowledge and experience can obtain the best possible outcome in cases of this nature.
The FCCPA reflects a very similar act regarding consumer rights to the FDCPA. Our attorneys at the Law Offices of Paul A. Humbert, P.L. wield the necessary experience and familiarity with these debt collection state laws in Cutler Bay, including prohibited conduct concerning the FCCPA and FDCPA.
The FCCPA debt collection state laws in Cutler Bay outline the following practices in the collection of consumer debt as violations of Florida State Law:
- Impersonation of law enforcement or government agencies
- Using threatening or abusive communication, including force and hostility
- Harming a debtor’s reputation
- Communication (or threats of communication) with a debtor’s employer without permission
- Communication with the debtor or their family with a frequency that is legitimate harassment
- Using profane, obscene, or vulgar language during any contact with a debtor or their family
- Knowingly attempting debt enforcement when the debt is not valid
- Proclaiming invalid legal rights
- Utilizing language that mimics the legal or judicial process in any manner
- Mail correspondence in packaging with words printed on the outside
- Mail correspondence that humiliates a debtor
- Communicating with a debtor between 9 p.m. and 8 a.m. without permission
- Communicating with a debtor represented by an attorney concerning the debt the creditor seeks
Taking Action against Collection Agencies Using Debt Collection State Laws in Cutler Bay
Harassment from a creditor or debt collector will often negatively affect a debtor’s life. The good news is that the FCDPA and FCCPA provide numerous defenses to unfair practices these creditors might make. These include a statute of limitations, prior collections abuse, and other faults a creditor may impart.
Collections agencies regularly neglect Florida Law including the FCCPA. When they do pay attention, it is typically very little. The Law Offices of Paul A. Humbert, P.L. remains well versed in debt collection state laws in Cutler Bay, the FCCPA, as well as the FDCPA. Our attorneys can take action against collection agencies while defending the rights of consumers.
Debt Collection State Laws in Cutler Bay and the Law Offices of Paul A. Humbert, P.L.
When debt collectors or creditors violate the FCCPA or FDCPA, the courts may allow for damages as a result of their harmful actions. At the Law Offices of Paul A. Humbert, P.L. our attorneys focus on protecting consumers from unfair debt collection practices.
Our status as a firm in the South Florida community, as well as nationwide, uniquely positions us to help individuals that may suffer in these situations. We additionally represent creditors attempting to collect valid debts from debtors that refuse to pay.
This offers us a unique perspective in debt collection cases. We uniquely understand consumers that suffer in these cases as we litigated hundreds of cases that involve foreclosure, debt collection, in addition to creditor harassment.
Our firm fights to protect consumers from harassment, as well as obtain money from judgments against banks, debt collections, and creditors as well. It is okay to feel scared. After all, you may not know what is in store for you during a debt collection lawsuit. Luckily, Florida Law provides consumers with the right to sue offending parties, counteracting unlawful activities.
The Law Offices of Paul A. Humbert, P.L. can offer you a consultation to discuss your situation and receive legal guidance on how you can stop creditor abuse. We remain committed to representing our clients’ best interests in cases where they may suffer from victimization at the hands of a debt collector.
For more information on our attorneys and debt collection state laws in Cutler Bay, contact our dedicated and professional attorneys today!