Debt Collection Communications With You

Orlando Consumer Protection Attorney - Lawyer, Eric W. Fetter proudly provides professional Debt Collection Communication Violation and other Consumer Protection Law legal services in Orlando, Orange County Florida, and throughout the Central Florida area.

Debt collection companies and agencies must follow specific guidelines regarding communications directly with you. A Debt Collection Agency must have a written agreement with the debtor granting the Debt Collection Agency permission to begin the debt collection process with you prior to making any form of contact with you. In the absence of a written agreement between the debtor and the Debt Collection Agency, the only way a Debt Collection Agency can contact you is if the court authorizes contact with you or if you give the Debt Collection Agency to contact you.

Unauthorized contact Debt Collection Practices may include attempting to reach with you:

At any unusual time (generally outside of 8:00Am and 9:00PM);
At any unusual place other than the home, such as the home of friends and family, or the location of other social settings;
At any time or place whatsoever if you supplied your attorney's Name, Phone Number, and Address to the Debt Collection Agency;
At any time or place whatsoever if the Debt Collection Agency has been previously contacted by your attorney;
At your place of employment if the Debt Collection Agency is made aware that your employer prohibits you from receiving such communications.

These types of prohibited communications at work should be made known to the Debt Collection Agency upon the first time you have any contact with them. Be sure to obtain and write down the representatives first and last name, phone number with his or her extension, and the date and time of the contact. This is for your protection and/or may be used to report violations of Debt Collection Laws.
At any time on your Cellular Phone if the Debt Collection Agency has your home phone number and you have asked them in writing not to call your cellular phone.
At any time trying to contact friends, relatives, or co-workers.

According to the Fair Debt Collection Practices Act, a Debt Collection Agency are also in violation if their actions 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 aren’t; or
Indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:

You will be arrested if you don’t pay your debt;
They will 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 don’t 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 isn’t; 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.

Fear of litigation and other threatening and harassing tactics Debt Collection Agencies is no way to live, especially since you have rights regarding the collection of debt. As a law firm providing experienced Debt Collection Defense Attorney - Lawyer legal services, we have assisting assisted many Orlando, Orange County, and Central Florida area residents with their legal needs.

If you require professional legal advice and representation regarding Debt Collection Defense issues or disputes make sure your legal rights are protected by seeking the legal advice of an experienced Debt Collection Defense attorney - lawyer. Contact the Law Office of Eric W. Fetter, P.A., at (407) 650-1733 to schedule a confidential legal consultation.

We urge you to be proactive regarding your legal rights when dealing with debt collection harassment and abusive practices by seeking the legal advice and representation of an experienced Attorney, Lawyer, or Law Firm as soon as possible. We look forward to welcoming you to our firm and serving your legal needs.

We proudly serve the legal needs of those being harassed by debt collectors or other agencies. We serve those in Orlando, Orange County, and Central Florida area. Protect your rights by seeking the legal advice and representation of an experienced Debt Collection Harassment attorney - lawyer. Contact the Law Office of Eric W. Fetter, P.A., at (407) 650-1733 to schedule a confidential legal consultation.

Orlando Consumer Protection Attorney - Lawyer, Eric W. Fetter proudly provides professional Debt Collection Communication Violation and other Consumer Protection Law legal services in Orlando, Orange County Florida, and throughout the Central Florida area.

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