Debt collection mistreatment and other violations of your priv

Florida collection attorneys collect everything. A lot of people who would otherwise have great instances under the Fair Debt Collection Practices Act (FDCPA), aren’t able to move ahead because they haven’t retained their documents, voice mail records from the debt collector, etc. Preserve every note you sent by the collector and every voice mail message the debt collector leaves. Likewise, maintain a phone log of all calls from collectors. The log should contain the date and time of every call, what collection agency called, the name (or more likely, alias) of the collection agent, and the subject of the call, including whether any coercion or vulgarity were used. This documentation can be crucial down the road, if you need to take legal action against the collector under the Fair Debt Collection Practices Act (FDCPA) or other Florida Collection Lawyers customer protection acts.

Second, ask that the Florida Collection Lawyers debt collection outfit validate the debt. This should be done in writing, not over the phone. Your Florida collection attorneys request should be attested, with return acceptance demanded. If the debt collector has been speaking to you by telephone, the letter should also avow that you do not wish to be contacted by phone. 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 permitted to get in touch with you after you have requested authentication but before it has provided proof.

Third, write to the three major credit reporting agencies - Equifax, Transunion, and Experian, and request replicas of your credit report. If the report is inaccurate (for example, if a debt you do not believe you owe is on the statement, or if the amount owed is inaccurate) you can write to the credit reporting bureaus explaining that the report is incorrect and demanding that it be corrected. You should also send a photocopy of this communication to the Florida Collection Lawyers debt collector. Again, send these notes certified return acceptance requested so that you have substantiation that you sent them and that they were accepted. These records can help you watch over your credit while you deal with the collector, and impose obligations on the organizations and the collectors under the Fair Credit Reporting Act (FCRA) that may help your case afterwards.
Lastly, if you have been taken to court, don’t neglect any court calls! Even if you can not locate a lawyer at the moment, you can be present at the court date yourself. If you inform the judge that you’re in the course of locating a lawyer and would like an adjournment, the substantial majority of judges will assist you by resetting the date of the case so as to provide you a chance to locate a lawyer with knowledge of the Fair Debt Collection Practices Act (FDCPA) and other consumer protection acts.

Make a complaint of unjust debt collection customs. If you are a victim of unmerited debt collection practices that have been explained above, you may be able to bring suit under the Fair Debt Collection Practices Act or other consumer statutes. You may also want to consider reporting unjust debt collection customs 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.