Orlando Creditor Harassment Attorney
Creditors will use many tactics to collect on a debt you owe them, but not all of them are fair. Many of them are not even legal. If you owe a debt and believe a creditor’s behavior rises to the level of harassment, it is important to know your rights. Below, our Orlando creditor harassment attorney explains what these are, and the legal recourse available.
Common Examples of Creditor Harassment
There are many different types of creditor harassment. The Fair Debt Collection Practices Act (FDCPA) includes many federal laws that prohibit creditor harassment. Some of the most common examples of creditor harassment include:
- Mailing documents meant to look like legal or government paperwork,
- Impersonating an attorney, law enforcement, or government official or employee,
- Speaking to, or threatening to speak to, your friends, family, or employer about your debt,
- Using language that is violent, abusive, vulgar, or inappropriate in an effort to intimidate you,
- Filing a lawsuit against you in a court that is too far for you to reasonably travel to, making it more difficult for you to contest the lawsuit,
- Contacting you after you have explicitly told them to speak only to your attorney,
- Telling you they have involved an attorney when they have not,
- Sending mail that openly reveals your debt in an attempt to embarrass you, and
- Calling you before 8:00 am or 9:00 pm.
The above are just a few of the most common violations of the FDCPA. If you believe that a creditor has engaged in harassing behavior, it is important to speak to an attorney who can advise you of your options.
What to Do After Creditor Harassment
If a creditor is harassing you, it is natural to feel unsure about what to do. Fortunately, you do have legal options. Under the FDCPA, you can file a lawsuit against any creditor that engages in harassing behavior. With this type of lawsuit, you can recover any actual damages you suffered. For example, if your employer suspended you for one week without pay because the creditor constantly contacted you at work, you can include damages for lost income in your lawsuit.
The FDCPA also allows you to recover up to $1,000 in statutory damages if a creditor has harassed you. When filing a lawsuit, it is always important to work with an attorney who can provide the legal advice you need and help you obtain the best outcome possible.
Our Creditor Harassment Attorney in Orlando Can Help with Your Case
Struggling with debt that is difficult to manage is hard enough. When creditors harass you to repay the debt, it makes it even more challenging. Fortunately, there is help available. At Florida Law Advisers, P.A., our Orlando creditor harassment attorney can explain your legal options, help you file a lawsuit, and guide you through any other necessary process. Call us now at 1 (800) 990-7763 or contact us online to schedule a consultation and to learn more about how we can help with your case.