How To Stop Collection Agency Harassment In Miami With The Help of Professionals?
Financial difficulties can be severely hectic. Be it a credit card debt or mortgage payment, distressing phone calls from collectors can increase your distress substantially amounting to bankruptcies, invasion of privacy, spousal insecurities, and loss of earning capacity. Even though stubborn attempts to communicate with you about your debt is legally allowed, collection agency harassment is prohibited and will not be consented by the Federal Trade Commission. If you feel that your debt collector has crossed the line and engaged constant harassment, you must instantly contact an experienced attorney specializing in Collection Agency Harassment in Miami to take the necessary legal actions needed to stop this harassment.
Legal Obligations of Debt Collectors
All debt collectors have certain obligations that they must abide by during the debt collection process. This includes notifying the consumer that all their communication efforts are being carried out under their official supervision and that any evidence obtained during the course of the communication will be used in future endeavors to collect the debt. For instance, if the debtor is unknowingly forced to comment on his/her financial status in an informal conversation, this evidence cannot be used in official or legal proceedings. Secondly, the debt collectors are legally obliged to inform the consumer about their right to challenge the debt within five days of the initial communication. Acknowledgment of this notice commences the thirty-day period in which the debtor may request the debt collector to verify the details of the debt. A failure to do either of the two can be considered as Collection Agency Harassment in Miami under state and federal laws.
The Next Steps for the Debtor
Once the debtor has sent an official demand for debt verification, the debt collector has to first mail the demanded verification before pursuing further communication. If you seek representation from an attorney specializing in Collection Agency Harassment in Miami, all communication has to be directed to your attorney. During these thirty days, the debtor is prohibited from publishing your name on a “bad debt” register.
How to Stop Them from Contacting You
If you write an official letter requesting all communications to cease, under the FDCPA, they are liable to oblige to this request. However, only use these thirty days if you plan to dispute the debt or file a lawsuit against the agency. If you plan to declare bankruptcy, keeping the debt collection agency waiting will result in you being forced to pay their attorney’s fees in addition to the original amount.
Can You Sue?
Suing the debt collector is only a viable option if you have hard evidence proving that the debt collectors are asking for an unfair amount or if they are engaging in targeted harassment. If your proof of harassment stands in court, the FDCPA’s strict liability laws will entitle you to a $1,000 payment in addition to your attorney’s fees just for the reason that the debt collector infringed the laws regarding safe debt collection practices. Collection Agency Harassment in Miami is not uncommon, as many collection agencies tend to cross the line of acceptable behavior. If you’ve been a victim of such unnecessary harassment, get in touch with an attorney to protect your rights. For more information visit Our Website
Legal Obligations of Debt Collectors
All debt collectors have certain obligations that they must abide by during the debt collection process. This includes notifying the consumer that all their communication efforts are being carried out under their official supervision and that any evidence obtained during the course of the communication will be used in future endeavors to collect the debt. For instance, if the debtor is unknowingly forced to comment on his/her financial status in an informal conversation, this evidence cannot be used in official or legal proceedings. Secondly, the debt collectors are legally obliged to inform the consumer about their right to challenge the debt within five days of the initial communication. Acknowledgment of this notice commences the thirty-day period in which the debtor may request the debt collector to verify the details of the debt. A failure to do either of the two can be considered as Collection Agency Harassment in Miami under state and federal laws.
The Next Steps for the Debtor
Once the debtor has sent an official demand for debt verification, the debt collector has to first mail the demanded verification before pursuing further communication. If you seek representation from an attorney specializing in Collection Agency Harassment in Miami, all communication has to be directed to your attorney. During these thirty days, the debtor is prohibited from publishing your name on a “bad debt” register.
How to Stop Them from Contacting You
If you write an official letter requesting all communications to cease, under the FDCPA, they are liable to oblige to this request. However, only use these thirty days if you plan to dispute the debt or file a lawsuit against the agency. If you plan to declare bankruptcy, keeping the debt collection agency waiting will result in you being forced to pay their attorney’s fees in addition to the original amount.
Can You Sue?
Suing the debt collector is only a viable option if you have hard evidence proving that the debt collectors are asking for an unfair amount or if they are engaging in targeted harassment. If your proof of harassment stands in court, the FDCPA’s strict liability laws will entitle you to a $1,000 payment in addition to your attorney’s fees just for the reason that the debt collector infringed the laws regarding safe debt collection practices. Collection Agency Harassment in Miami is not uncommon, as many collection agencies tend to cross the line of acceptable behavior. If you’ve been a victim of such unnecessary harassment, get in touch with an attorney to protect your rights. For more information visit Our Website