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

Handling debt collectors in Florida around the holidays

When people in Florida owe old debts, they may be targeted by aggressive debt collectors. Debt collectors must follow the guidelines of the Fair Debt Collections Practices Act, including not calling at times that are inconvenient. Inconvenient times include calling before 8 a.m. or after 9 p.m. There is no specific prohibition against debt collectors calling on the holidays, however.

When a debt collector violates the FDCPA, debtors are able to sue them and to collect damages. The law provides that people can tell debt collectors in writing not to contact them anymore, and the debt collectors have to abide by the request. However, telling debt collectors not to contact a person does not mean that the person's debt disappears. Debt collectors may turn to more aggressive debt collection measures such as filing a civil lawsuit in order to recover the debt.

If a debt collector wins a judgment against a debtor, the collector may then file a request for wage garnishment. People may be able to call creditors before a debt is referred to a debt collector in order to make payment arrangements. They may also try to settle with the debt collector. If doing so is not financially possible, the person may be able to stop all collection efforts by filing a petition for bankruptcy.

When a person files a petition for bankruptcy, the court issues an injunction to all of the creditors preventing them from continuing any further collection attempts. If a person files for Chapter 13 bankruptcy, he or she may pay far less than what he or she owes for most unsecured debts while concentrating on paying off priority debts over a repayment plan that lasts from three to five years. This may allow the debtor to have a fresh financial start so that he or she can move forward with his or her life.

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.