Cohen & Best, P.A., provides
aggressive and knowledgeable Debt Collection
Harassment legal representation for clients who have
are are being harassed or threatened by collection
agencies.
If
you are being harassed by collection agencies in
situations which do not relate to a bankruptcy, it
is important that you know, you do have rights, and
laws which protect those rights.
According to
the Fair Debt Collection Practices Act, there are
specific guidelines which debt collection
agencies must follow, and tactics which are prohibited by
law.
Violations of
the Fair Debt Collection Practices Act which are
documented and reported may be costly to the companies which
have chosen to fail to comply with the acceptable debt
collection guidelines.
If you are
being harassed or threatened by collection agencies, we
strongly recommend contacting an experienced Lakeland
debt collection harassment lawyer - attorney, at
Cohen & Best, P.A., by calling
(863)
646-7636 or use our
online
case submission form
to schedule a confidential consultation.
Practices
which are considered violations of the Fair Debt
Collection Practices Act include:
Harassment
- Debt collectors may not harass, oppress, or abuse you or
any third parties they contact. For example, they may not:
-
use threats of violence or harm;
-
publish a list of names of
people who refuse to pay their
debts (but they can give this
information to the credit
reporting companies);
-
use obscene or profane language;
or
-
repeatedly use the phone to
annoy someone.
False
statements
- Debt
collectors may not lie when they are trying to collect a
debt. For example, they may not:
-
falsely claim that they are
attorneys or government
representatives;
-
falsely claim that you have
committed a crime;
-
falsely represent that they
operate or work for a credit
reporting company;
-
misrepresent the amount you owe;
-
indicate that papers they send
you are legal forms if they
arent; or
-
indicate that papers they send
to you arent legal forms if
they are.
Debt collectors also are
prohibited from saying that:
-
you will be arrested if you
dont pay your debt;
-
theyll seize, garnish, attach,
or sell your property or wages
unless they are permitted by law
to take the action and intend to
do so; or
-
legal action will be taken
against you, if doing so would
be illegal or if they dont
intend to take the action.
Debt collectors may not:
-
give false credit information
about you to anyone, including a
credit reporting company;
-
send you anything that looks
like an official document from a
court or government agency if it
isnt; or
-
use a false company name.
Unfair
practices - Debt
collectors may not engage in unfair practices when they try
to collect a debt. For example, they may not:
-
try to collect any interest,
fee, or other charge on top of
the amount you owe unless the
contract that created your debt
or your state law allows the
charge;
-
deposit a post-dated check
early;
-
take or threaten to take your
property unless it can be done
legally; or
-
contact you by postcard.
Cohen & Best, P.A.,
is well versed in the laws regarding debt collection
harassment and how to protect your legal rights
against those who threaten you in any way regarding bad
debt or past due debt.
Knowing your
rights and legal options relating to Debt Collection
Harassment matters is essential in resolving Debt
Collection Harassment legal matters.
Protect your legal rights. Contact an
experienced Lakeland Debt Collection Harassment Attorney
- Lawyer at
Cohen & Best, P.A.,
by calling
(863)
646-7636 or use our
online
case submission form
to schedule a confidential consultation regarding your
Debt Collection Harassment
legal
issues, concerns, and needs.
