Dealing with illegal debt collection can be stressful and overwhelming. If you believe that a debt collector is acting illegally, there are steps you can take to protect your rights.
First, it's important to understand what constitutes illegal debt collection practices. Some examples of illegal debt collection include:
- Using threatening or abusive language
- Contacting you at unusual or inconvenient times, such as before 8 am or after 9 pm
- Contacting you at work if your employer prohibits personal calls
- Contacting you after you have told the collector to stop contacting you
- Failing to provide you with written notice of the debt within 5 days of first contacting you
- Failing to verify the debt when you request it
- Claiming to be an attorney or government representative
If you are being subjected to illegal debt collection practices, you can take the following steps to protect yourself:
- Keep a record of all communication with the debt collector, including dates, times, and the content of the conversations.
- Send a letter to the debt collector telling them to stop contacting you. This is called a "cease and desist" letter.
- File a complaint with the Consumer Financial Protection Bureau (CFPB) and your state's attorney general's office.
- Contact an Florida Consumer Lawyers for assistance.
Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer Collection Protections Act (FCCPA), which is a federal law that regulates the behavior of debt collectors. If a debt collector is acting illegally, you have the right to take legal action against them. Don't be afraid to assert your rights and seek help if you are being subjected to illegal debt collection practices.