How can debtors protect themselves from debt collectors?

Debtors in the state of Florida have certain rights and protections established by federal and state law. One way debtors can protect themselves from debt collectors is by understanding their legal rights. Under the Fair Debt Collection Practices Act (FDCPA), debtors are protected from any unfair or abusive debt collection methods. Debt collectors cannot harass, threaten, or use deceptive practices against debtors. The debt collector also cannot call the debtor excessively, or contact the debtor outside of certain hours. Additionally, debt collectors cannot contact the debtor’s employer about the debt unless the employer has agreed to the contact. Debtors can request in writing that the debt collector cease all contact with them; if the debt collector does not comply, they are in violation of the FDCPA. In addition, debtors in Florida may be able to take legal action against debt collectors who have violated their rights. That could involve filing a complaint with the Consumer Financial Protection Bureau, or filing a lawsuit in civil court. It is important for debtors in Florida to keep records of all communications with debt collectors, as these will be crucial to protecting their rights. Debtors should document the date, time, name of individual they spoke with, and the content of the conversation. This can all be used as evidence if the debt collector is harassing or mistreating the debtor.

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How can debtors protect themselves from debt collectors?

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