Harassing Debt Collectors Lawyers in Miami, Florida
Calls from debt collectors can induce fear and anxiety. However, when it comes to debt collector calls, you have rights. For example, you can stop debt collectors from calling you by telling them in writing that you do not wish to be contacted. While this tactic won’t eliminate your obligation to pay a legitimate debt, it can put an end to unwanted harassment and phone calls.
Many consumers are not aware that they have the right to sue harassing debt collectors. Under the Fair Debt Collection Practices Act, debt collectors are not permitted to harass consumers. What constitutes debt collection harassment? Here are some examples:
- The debt collector calls you before 8 a.m. or after 9 p.m.
- The debt collector calls you at work, even after you have told the debt collector that these calls are not permitted.
- The debt collector calls you repeatedly.
- The debt collector makes violent threats or uses profanity.
- The debt collector gives you the wrong information about the amount owed, misrepresents the amount you owe, or misrepresents the action the debt collector can legally take on the debt.
- The debt collector claims they are a lawyer when they are not a lawyer.
- The debt collector makes threats that cannot be legally followed-through on or threatens to have you arrested for a debt.
If you are dealing with harassment from a debt collector, you may have important rights under the law, including the right to sue a debt collector for violations of the Fair Debt Collection Practices Act. Ignacio J. Hiraldo is a harassing debt collector lawyer in Miami, Florida who may be able to assist you with dealing with debt collection harassment. Consumers have rights and debt collectors sometimes violate them. Our firm can review your situation, help you understand which debts are legally collectible and which are not, and help you understand the best roadmap forward for dealing with debt collection harassment. Protect yourself from harassment and put an end to harassing and abusive debt collector phone calls today.
Prohibited Collection Practices
If you are facing harassing calls from a debt collector, you might be feeling stressed, overwhelmed, and not sure what to do. Many consumers are not aware that they have rights when it comes to harassing debt collection calls. What can you do to protect your rights if you are facing harassment from a debt collector? Here are some things to keep in mind:
- Under the Fair Debt Collection Practices Act, consumers have the right to say when and how debt collectors can contact them. Debt collectors are prohibited from calling you before 8 a.m. and after 9 p.m. They are also prohibited from calling you at work if you ask them not to do so. Finally, debt collectors are barred from informing other parties about your debt. This means that they cannot post your name online in association with the debt and they are not allowed to call your friends, family, or boss to tell them about the debt. The only place debt collectors can report the debt is to credit bureaus. You also have the right to ask debt collectors to stop from contacting you entirely. However, in order to do this, you’ll need to put this request in writing. Ignacio J. Hiraldo is a prohibited debt collection practices lawyer in Miami, Florida who can help you stop unfair debt collection practices and who can even help you sue debt collectors if they continue to contact you after you have asked them to stop.
- Scam debt collections. Sometimes scammers may call individuals claiming that the person owes a debt. These fake debt collectors can put extreme pressure on individuals and make false claims. Never make a payment over the phone to a debt collector. Always ask that a debt collector validate your debt in writing. Scam debt collectors often use fear tactics to get people to pay money they may not owe. If you are being called about a debt that isn’t yours or that you were unaware of, consider speaking to Ignacio J. Hiraldo, a prohibited debt collection practices lawyer in Miami, Florida who may be able to help you.
- False Statements. Under the Fair Debt Collection Practices Act, debt collectors must tell the truth. They cannot lie about the amount you owe, cannot lie about whether the debt has passed the statute of limitations, and cannot misrepresent themselves as a lawyer or misrepresent what they can and cannot do regarding the debt. Some debt collectors may try to collect on debts that are past the statute of limitations. If the statute of limitations has passed, a debt collector cannot legally sue you. Paying the debt could re-start the statute of limitations, so before you take any action regarding an old debt or make a payment, consider your rights. Ignacio J. Hiraldo is a prohibited debt collection practices lawyer in Miami, Florida who may be able to help you fight illegal debt collection tactics, and help you understand your rights.
- Never pay a debt unless it has been properly validated. If you are being called by debt collectors, ask to be sent a debt validation statement or debt verification letter in the mail. The letter should include specific information regarding how much you owe and the name of the owner of the debt. You have the right to dispute these letters if you don’t believe you owe the debt. Ignacio J. Hiraldo is a prohibited debt collection practices lawyer in Miami, Florida who can assist you with asking for a debt verification, who can assess whether a verified debt is beyond the statute of limitations, and who can dispute invalid debts.
If a debt collector violates any aspect of the Fair Debt Collection Practices Act, you have the right to make a complaint and to sue. Ignacio J. Hiraldo is a prohibited debt collection practices lawyer in Miami, Florida who fights for the rights of the consumer. Our firm can protect your rights.
Contact an Illegal Collection Lawyer Today
What is illegal debt collection? Illegal collections include, trying to collect on a debt not owed, failing to verify a debt after contacting a consumer, or making threats to sue you or take legal action when a debt collector has no right to do so. Illegal collection tactics can leave victims feeling stressed, overwhelmed, and can even leave victims taking action that they otherwise may not have done had debt collectors followed the law. Debt collectors cannot make illegal false statements. Some examples of illegal collection tactics include:
- Falsely claiming to be a lawyer
- Claim that you will be put in jail for not paying your debt
- Threaten to garnish your wages or sue you unless the debt collector can do so and intends to do so
- Add unfair or illegal interest or fees, or overstate the amount you owe on the debt
If you are suffering debt collection harassment contact Ignacio J. Hiraldo, an illegal collection lawyer in Miami, Florida today. An unfair collection lawyer can stop debt collection harassment and may even be able to help you sue for violations of the Fair Debt Collection Practices Act. If you took out a debt and are facing exorbitant or fees you believe are unreasonable, contact Ignacio J. Hiraldo, a debt collection lawyer in Miami, Florida today.
Debt Collectors Harassing Me in Miami, Florida—What Can I Do?
If a debt collector is harassing you, you have important rights under the law. Ignacio J. Hiraldo is a debt collection harassment lawyer in Miami, Florida who may be able to help you fight for your rights. Contact us today to stop illegal debt collection calls and practices, and reclaim your peace of mind.