If you, like so many others across Florida, are facing increasing pressure from debt collection agencies, you may be searching for ways to end the harassment and regain control over your finances. Debt collectors will often resort to a broad range of tactics to try to get you to pay up, but in some cases their methods cross the line and become illegal. At Kingcade Garcia McMaken, we recognize how stressful it can be when debt collectors continuously contact you, and we have helped many clients facing similar circumstances find solutions that meet their needs.
According to the Federal Trade Commission, the Fair Debt Collection Practices Act sets guidelines that debt collectors must adhere to when they are trying to collect money from you. For example, it is against the law for debt collectors to lie to you, and this includes lying about the amount of money you owe and lying about who they are or what potential repercussions you might face.
More specifically, a debt collector may claim that he or she is a member of law enforcement, and that you will have wages garnished, a car repossessed or what have you if you do not pay up immediately. They cannot, however, tell you such things if they are not, in fact, accurate. Additionally, debt collectors do not have the freedom to contact you at anytime of the day or night. Instead, the FDCPA bars them from calling you before 8 a.m., or after 9 p.m.
You may also find that debt collection agencies try to get a hold of you at your place of business. If however, you tell them either verbally or in writing that they may not longer contact you at work, they must abide by your request. You can find more about this topic on our webpage.