Orlando
Debt Collection Harassment Attorney
& Lawyer, providing experienced
Debt Collection Harassment and Abusive Collections
Practice
legal services in
Orlando and throughout the Central Florida
Area.
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.
The
Fair Debt Collection Practices Act covers
personal, family, and household debts, including
money you owe on a personal credit card account, an
auto loan, a medical bill, your mortgage, and other
related types of debt.
However, the FDCPA does not cover debts you incurred
to run a business.
Ronald L Sims, P.A.,
represents the legal rights and goals of those subjected
to debt collection harassment disputes in Orlando and the Central Florida
area.
For a confidential legal consultation, please call
407.843.5885.
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;
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 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.
If you have questions, concerns, or legal needs
regarding
debt collection harassment, we urge you to seek
the legal advice of an experienced Orlando
Debt Collection Harassment attorney & lawyer.
We
invite you to contact
Ronald L Sims, P.A.,by calling
407.843.5885.
250 North Orange Avenue, Suite
1112, Orlando,
Florida 32801 | Telephone 407-843-5885 | Fax
407-841-7774 |
Directions
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qualifications and experience. This website is intended
to provide general legal information regarding our areas
of legal practice, and should not be considered legal
advice, nor the creation of an attorney - client
relationship. An attorney - client relationship can only
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