What is debt collection harassment?

Debt collection harassment is a form of unfair practices used by creditors to pressure debtors into paying debts. In the state of Florida, the Fair Debt Collection Practices Act (FDCPA) is designed to protect debtors from this type of harassment, as well as other types of unfair practices. The FDCPA prohibits debt collection harassment such as threats of violence, using obscene language, verifying debts with employers or neighbors, repeated calls that cause emotional distress or damage to an individual’s reputation, and attempting to collect more than the amount of the debt. It also prohibits debt collectors from using false or misleading statements, such as lying about the amount of the debt or misrepresenting the legal status of the debt. Creditors cannot directly contact debtors who have retained legal representation regarding the debt, and must instead contact the attorney. If the creditor violates the provisions of the FDCPA, then the debtor can file a complaint against the creditor. Additionally, the debtor may be entitled to compensation for damages caused by the creditor’s harassment. It is important for debtors to be aware of their rights under the FDCPA. Knowing what constitutes debt collection harassment and understanding the legal protections against it can help debtors protect themselves and defend their rights.

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What is debt collection harassment?

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