Debt collection harassment is a serious issue that affects many people in Florida. It can be defined as any unwanted or excessive communication from a debt collector that is intended to intimidate, oppress, or abuse the person being contacted. This can include phone calls at unreasonable hours, repeated phone calls, threats of legal action, and abusive language.
In Florida, there are several state and federal laws that protect consumers from debt collection harassment.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that prohibits debt collectors from using abusive, unfair, or deceptive practices when collecting debts. In addition, Florida state law also provides additional protection against debt collection harassment.
If you are being harassed by a debt collector, it's important to know that you have rights and there are steps you can take to protect yourself. One of the most effective ways to stop debt collection harassment is to keep a log of all potential violations. This includes the date and time of each call, the name of the debt collector, and a brief summary of the conversation. This information can be crucial in building a case against a debt collector who is violating the law.
In addition to keeping a log, it's also important to contact an attorney who specializes in consumer protection law. An attorney can help you understand your rights and can take legal action on your behalf to stop the harassment.
If you are experiencing debt collection harassment in Florida and need assistance, contact William T. Shaffer at (850)398-5187. He can help you understand your rights and take the necessary legal action to stop the harassment.
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