An lawyer may help stop debt collection calls

Those residing in Florida may be aware of the stress that constant debt collection calls can create. However, debt collectors are required to follow laws noted in the Fair Debt Collection Practices Act, or FDCPA. If debt collectors are breaking these laws, it is possible to have the calls stopped.

There are a number of things that debt collectors are required to do in their calls. For example, debt collectors are required to identify themselves and alert the consumer that the call is an attempt at debt collection. They are also required to verify the debt and alert the consumer that they may dispute the debt. The name and address of the original creditor must also be made clear during the call.

In addition to required protocols, there are actions that debt collectors are barred from taking. These actions include calling before 8:00 a.m. and after 9:00 p.m. as well as calling consumers at work. If the consumer makes a written request to stop the calls, the debt collectors must comply. Debt collectors also may not threaten legal action, communicate with third parties or use deceptive tactics.

If an individual is struggling with debt collection harassment, they may want to log any illegal behaviors and make a complaint to the Federal Trade Commission. Someone who has filed for bankruptcy may not be contacted by debt collectors. Likewise, those who are already represented by a lawyer may not receive debt collection calls. If debt collection calls continue illegally, a lawyer may be able to help file a suit.