DEBT COLLECTION HARASSMENT LAWYER

Orlando Lawyer providing professional Card Credit Debt Defense, Debt Collection Harassment and Consumer Debt Defense Attorney Services in Orlando, Winter Park, Maitland, Longwood, and throughout the Central Florida Area.

Debt Collectors Threatening Or Harassing You?

We realize if you are dealing with debt collectors, you may be harassed over the phone, cell, or by mail. Debt collectors use unfair, unethical, and ILLEGAL means to collect debts. If you are being harassed by debt collectors and need to know your rights, review the list on the debt collection harassment page.

There are No up-front legal fees in debt harassment cases. If you win, then the debt collector pays your legal fees and costs per state and federal collection laws. We take these cases on a contingency basis. Call us now for a free consultation at (855) 740-DEBT (3328), or email us at Michael@Tierneylaw.us, 24/7!

You can sue harassing debt collectors under the Federal (FDCPA) and state (FCCPA) laws. Debt collectors must tell you the truth, and treat you with fairness, dignity, and respect. Yet, they rarely do. When they don’t, call us for a FREE consultation at (855) 740-DEBT (3328). When a debt collector breaks either the Federal and/or state consumer collection laws, and abuses you when trying to collect a consumer debt, you can sue them in federal and/or state court for MONEY damages under the Fair Debt Collection Practices Act (FDCPA), and Florida Consumer Collection Practices Act (FCCPA). If you win, the collector pays your legal fees and costs.

Both laws allow you to have the debt collector pay your legal fees and costs when you win. This means FREE legal representation to you!

If you are harassed by a credit card debt collector, or their attorney, you can sue them for MONEY DAMAGES. You may be entitled up to $1,000.00, or more depending on the violation and damages from the violation. Call us now for a free consultation at (855) 740-DEBT (3328), or email us at Michael@Tierneylaw.us, 24/7!

There Are No Fee/Costs Unless We Recover! The laws allow when a debt collector violates your rights, you may be entitled to statutory damages of up to $1,000, actual damages, and attorney’s fees and costs, if you win your FDCPA/FCCPA case. If we take your FDCPA/FCCPA case, you don’t pay any attorney’s fees unless we recover on your behalf. Common problems with debt collectors and creditors:

Threatening lawsuits, garnishment, liens, or arrest for not paying a bill
Calling your family, friends, neighbors or employers to collect a debt
Leaving abusive phone messages Insulting, yelling or swearing at you
Calling your workplace after telling the collector not to call you there
Lying, threatening, or otherwise harassing you in any way
Attempting to collect more than you owe
Add inflated charges
Threaten violence or harm
Use profane language or insults
Call repeatedly to harass or annoy
Falsely suggest that they are attorneys or government representatives
Threaten arrest or prosecution if you do not pay the debt
Threaten to confiscate your property or garnish your wages without having the legal right to do so
Call your friends, neighbors, family or place of employment
Report erroneous or false information to credit bureaus
Collect old debts which are time-barred by the statute of limitations
Collect debts discharged in bankruptcy
Try to collect a debt that does not belong to you Fair Debt Collection Practices Act

If you have been a victim of any of these illegal and abusive bill collection practices, you may be entitled to compensation. We help consumers who are in collections, or have experienced collection harassment. Call us now for a free consultation at (855) 740-DEBT (3328), or email us at Michael@Tierneylaw.us, 24/7!

Florida Consumer Collections Practices Act

Robocalls: your new rights under the TCPA

Robocalls can be stopped. Use the Do Not Call registry. Still, robocalls can continue because they are cheap and simple. Recently the FCC issued new rules late in 2015 to ensure consumers are more protected from repeated annoying calls. If you have received unauthorized calls from a business, and you told them to stop calling, you may be entitled up to $1,500.00 per call!

Your New Rights Under the TCPA

Telemarketers must have your written consent to call you or leave you a message.
Robocalls to your home landline are not permitted. Just because you bought an item from a business does NOT allow them to call you.
Telemarketers are required to tell you immediately you can opt out of getting more calls through an automated menu.

Debt Collector Harassment Questions

What if I have no money to hire a lawyer for my case?

If you win your FDCPA/FCCPA debt collection harassment case, the debt collector pays your legal fees/costs. If we take your FDCPA/FCCPA case, you don’t pay any attorney’s fees unless we recover on your behalf. Call us now for a free consultation at (855) 740-DEBT (3328), or email us at Michael@Tierneylaw.us, 24/7!

How can I tell if I’m abused by a collector?

Answer: Debt Collectors Are Prohibited From Doing:

Threatening lawsuits, garnishment, liens, or arrest for not paying a bill
Calling your family, friends, neighbors or employers to collect a debt
Leaving abusive phone messages
Insulting, yelling or swearing at you
Calling your workplace after telling the collector not to call you there
Lying, threatening, or otherwise harassing you in any way

If you have been a victim of any of these illegal and abusive bill collection practices, you may be entitled to compensation. We help consumers who are in collections, or have experienced collection harassment. Call us now for a free consultation at (855) 740-DEBT (3328), or email us at Michael@Tierneylaw.us, 24/7!

What do I do if I’ve been abused by a debt collector?

If a debt collector contacted you, you can dispute the debt either verbally or in writing. To save your rights under the FDCPA/FCCPA, you must send a written dispute within 30 days from when your get the first “validation notice” from the debt collector. Even if you do owe the debt, or you cannot pay, you have rights under the FDCPA/FCCPA. Many of our clients do owe the debt being collected but still can’t pay the debt due to money problems. You must keep accurate records of all of the contact from the debt collector. Keep a list of the times, dates, phone numbers, names and what they said to you. Save all voice mails from them too!

What if I am sued for credit card debt?

Typically, debt collectors file suit to collect on a debt regardless of the amount owed or age of the debt. A debt collector often uses deceptive means to collect the debt. As a consumer rights law firm, focusing on the area of debt collection harassment, Michael Tierney, P.A., can help you with a very aggressive case against debt collectors who harassed you. Call us now for a free consultation at (855) 740-DEBT (3328), or email us atMichael@Tierneylaw.us, 24/7!