The Florida Fair Debt Collection Practices Act (linked here) (FDCPA) is an important Florida law that protects consumers.
In an attempt to keep consumer debt collectors in line, the law explicitly defines what abusive debt collection practices are. It also provides legal recourse for those who have been illegally harassed by creditors.
Under the FDCPA, as well as the Florida Consumer Collection Practices Act (FCCPA), it is illegal to:
If you have been victimized by an aggressive debt collector in violation of the FDCPA or FCCPA, you may want to speak with a consumer rights and bankruptcy lawyer.
Certain Florida law firms sue creditors for illegal harassment of debtors. Under Florida law, if a creditor harasses you, you could be entitled to statutory damages from the creditor.
Consumer rights attorneys are typically paid on a contingency basis. This means that you do not pay anything out of pocket, and the attorney only gets paid if you win.
In most cases, all fees and attorney costs are paid from the recovery proceeds.
If we prove that your creditors have been harassing you, you may be entitled to the following:
If you decide to file for bankruptcy, the court will issue what is called an automatic stay. This is essentially a restraining order against creditors. It forbids them from contacting you to collect debts. They also may not seize your property or place a lien on your home.
Note that there are some exceptions to an automatic stay in bankruptcy. A stay will not stop criminal or tax proceedings, lawsuits for child support or eviction.
Considering Bankruptcy (813) 990-7944
If you are in a difficult financial situation and are being harassed by your creditors, please contact our Tampa legal practice. We can provide you with more information about your bankruptcy options.
By working with us, we can bring a quick halt to creditor harassment. Our law firm offers a no obligation consultation. Call now.
The Bankruptcy Attorneys at Zooberg Law Firm, P.A. help clients with bankruptcy law matters. If you need to speak to an attorney in the Tampa Florida Area, then call our office at (813) 990-7944 for a free consultation.