debt collection abuse and other infringements of your rights under the FDCPA?

Florida collection attorneys collect everything. A number of individuals who would otherwise have substantial instances under the Fair Debt Collection Practices Act (FDCPA), are not able to go onward because they haven’t kept their records, voice mail records from the collector, etc. Keep every letter you sent to the collector and every voice mail message the collector leaves. In the same way, keep a phone log of all telephone calls from collectors. The log should consist of the date and time of every phone call, what collection agency called, the name (or more likely, namesake) of the collection agent, and the contents of the call, including whether any threats or vulgarity were used. This record can be important at the end, should you desire to take legal action against the collector under the Fair Debt Collection Practices Act (FDCPA) or other Florida Collection Lawyers client protection laws.

Second, ask that the Florida Collection Lawyers debt collection agency confirm the debt. You should do this in written correspondence, not over the telephone. Your Florida collection attorneys letter should be certified, with return delivery asked for. If the debt collector has been getting in touch with you by telephone, the communication should also assert that you don’t wish to be contacted by telephone. Under the Fair Debt Collection Practices Act (FDCPA), a debt Florida Collection Lawyers collector is not permitted to get in touch with you by phone after you have demanded in writing that the collector not do so, nor is a debt collector allowed to contact you after you have demanded for verification but before it has given confirmation.

Third, write to the three major credit reporting bureaus - Equifax, Transunion, and Experian, and demand for photocopies of your credit report. If the report is incorrect (for instance, if a debt you don’t consider you owe is on the statement, or if the cash owed is wrong) you can correspond with the credit reporting organizations explaining that the statement is incorrect and asking that it be put right. A replica of this note should also be sent to the Florida Collection Lawyers debt collector. Again, send these communications certified return receipt demanded so that you have proof that you sent them and that they were accepted. These communications can help you watch over your credit while you deal with the collector, and enforce obligations on the agencies and the collectors under the Fair Credit Reporting Act (FCRA) that may aid your case afterwards.
Lastly, if you have been prosecuted, don’t pass up any court calls! Even if you cannot get a lawyer in time, you can be present at the court date yourself. If you enlighten the judge that you are in the course of finding a lawyer and would like an adjournment, the vast majority of judges will assist you by reorganizing the date of the trial so as to provide you an opportunity to find an attorney who is familiar with the Fair Debt Collection Practices Act (FDCPA) and other client protection acts.

Protest of unreasonable debt collection procedures. If you are a target of unjust debt collection practices that have been explained above, you may be able to bring suit under the Fair Debt Collection Practices Act or other customer acts. You may also want to believe in reporting unjust debt collection procedures to controllers, such as the New York City Department of Consumer Affairs, the New York Attorney General’s Consumer Bureau, or the Federal Trade Commission. (hyperlink all of these to our links page

Florida Collection Attorney Gil Fendes writes exclusively on the Law, Legal issue having to do with the West Palm Beach Florida area.