All bankruptcy attorneys are not created equal. Schedule A Free Case Evaluation
Nowack & Olson, PLLC
Let’s do this together.
Speak with one of our professionals.
888-813-4737

When do collection efforts become abusive?

If you are struggling with debt, the last people you likely want to speak with are debt collectors. Unfortunately, you may not be able to avoid these interactions unless and until you take steps to resolve debt issues.

However, you should be aware that even though they can seem relentless and aggressive, debt collection agents are restricted in their behaviors by federal laws. The Fair Debt Collection Practices Act has established rules that work to prevent abusive debt collection efforts and practices. 

Broadly speaking, the FDCPA defines and limits authorized means of collecting debt. For instance, under this act, collection agents must:

  • Identify themselves to consumers 
  • Specify the debt in question
  • Send a written notice to consumers that includes the name of the creditor
  • Inform consumers of their options to dispute the debt

While they may do or say things you do not like, debt collection agents must not:

  • Threaten or intimidate consumers
  • Lie or mislead consumers about the penalties of non-payment
  • Misrepresent themselves as an attorney
  • Contact consumers at times or places known to be inconvenient
  • Intentionally annoy or harass consumers

Should an agent violate these or any other rules established by federal or state laws, he or she can and should be reported. 

The FDCPA is quite extensive and thorough so it can be very difficult to know if and when you have fallen victim to unauthorized actions. However, discussing your situation with an attorney familiar with debt and bankruptcy laws in Florida can be a step toward protecting yourself.

It should also be noted that even if you have been the victim of creditor harassment, the debt in question will not away. Therefore, it can also be wise to speak with an attorney in an effort to tackle your debt and seek financial relief.

No Comments

Leave a comment
Comment Information

We take your situation as seriously as you do.

Start with a Free Case Evaluation

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

What Our Clients Say:

Back
  • "Maria please let Attorney Olson know how pleased I am with the results of my home loan modification with Bank of America. I am so grateful for all of their hard work, especially since my house was a gift from my parents, I prayed not to lose it to foreclosure....."

    Cassandra M.
  • "We received last Friday our bankruptcy discharged letter for the trustee.
    We want to thank you very much for your services in our bankruptcy file.
    We are very pleased and happy with your service, you are so professional, courteous, organized and fast.

    We will recommend you every time we can.
    God Bless You!"

    Yazmin & Ricardo D.
  • "MY EXPERIENCE WITH MITCH AND CHRIS AND U WERE JUST A GREAT EXPERIENCE I WANTED TO GIVE UP PRIOR TO U GUYS.. DON'T WANT TO FORGET ABOUT LEO, HE'S ALSO GREAT PERSON..COMMUNICATE REALLY GREAT WITH ME,,ACTUALLY ALL OF U ....I CAN EMAIL OR CALL .U ALL ALWAYS REPLY TO ME....."

    Tonya C.
  • "I was very pleased with work of Nowack & Olson, and way you guide me through all process of bankruptcy and loan modification. I received good care and was informed on every step of it. Thank You very much. You save my life!"

    Kasia D.
  • "Just wanted to thank you again for helping my wife and family through a tough time. We are finally starting to get back on our feet and building back our nest egg. We have stabilized our income again, and see the light at the end of the tunnel. I remember one of your tag lines was helping good people through bad times... That always rang true with us....."

    Peter R.
  • "After a rather distasteful experience with a Foreclosure Attorney I was apprehensive to say the least to hire an Attorney to handle our Bankruptcy. After some internet searches and research I found Christian Olsen, and after our initial consultation my wife and I retained his services....."

    Bobby and Tanya
  • "I am a teacher who reaped the rewards of a profitable side business until shortly after the recession. I struggled to keep my business afloat until I finally threw in the towel. Between personal and business debt, I was suffocating in bills....."

    Richard C.
Read More Testimonials

Privacy Policy | Business Development Solutions by FindLaw, a Thomson Reuters business.