Defense for Debt Collection in Fort Lauderdale and Miami
Debt Collection Harassment & Abuse (FDCPA)
Consumers that fall behind on payments or face other debt issues frequently
have their rights violated without them even knowing about it. At Loan
Lawyers, our goal is to empower our clients against oppressive or abusive
debt collectors who think they are above the law. Just because you are
in debt doesn't mean that you don't have rights. Our Fort Lauderdale
creditor harassment attorneys have successfully removed millions of dollars
of debt and recovered millions of dollars in damages on behalf of our
client, even though they owe the money on the underlying debt.
Imagine feeling hopeless or powerless against debt collectors and coming
to Loan Lawyers for a free consultation, and in as little as a few months
getting your debt obligations removed as well as recovering thousands
of dollars in monetary damages. It may sound too good to be true, but
it's not, and in fact, it happens on a regular basis. Not only that,
but all cases are handled on a contingency basis, meaning you don't
pay any fees or costs unless we win your case.
Seek results! Work with our South Florida legal advocates.
The FDCPA (Fair Debt Collection Practice Act) and the FCCPA (Florida Consumer
Collections Practices Act) are two powerful statutes that are in place
to protect the rights of consumers in debt. These statutes are designed
to ensure that people who owe money for a consumer debt are treated fairly
and with dignity. The debt collection industry is known for its fraudulent
and overreaching tactics in trying to collect debts.
Considering that the collectors who are on the other end of the phone work
on a commission basis, they frequently cross the line and violate consumers'
rights in the process of trying to get money from them by using intimidation
and scare tactics. Not only that, but collecting on "Zombie Debt"
is a multi-billion dollar a year business, preying on individuals in less
fortunate financial circumstances and attempting to collect debt that
has already been paid, has been discharged in bankruptcy, or is not really
owed by that consumer.
Some of the prohibited collection activities under the FDCPA and FCCPA are:
- Contacting friends, neighbors, or relatives about your debt
- Threatening to garnish your wages or impound, take away, or put liens against
- Calling multiple times in a short period of time
- Calling you at work
- Threatening to have you arrested
- Threatening to file a lawsuit against you
- Attempting to collect on a debt that is not owed, or that is no longer
recoverable due to the statute of limitations having run out.
- Calling you early in the morning (before 8am) or late at night (after 9pm)
- Attempting to collect a debt that has been discharged in bankruptcy
- Contacting you after you have instructed them to cease doing so
- Mischaracterizing or wrongfully stating the amount of debt that is due
- Contacting you while you are represented by an attorney
- Lying or using deceptive means to try to collect on a debt
- Using improper or abusive language
- Failing to send a proper debt notice within 5 days of their first contact
Call Our Fort Lauderdale Creditor Harassment Lawyers
If you owe money for credit cards, car loans, medical bills, student loans,
mortgages, or any other consumer debt and are being contacted by someone
trying to collect on that debt, our team of Fort Lauderdale and Miami
creditor harassment attorneys wants to hear from you. We may be able to
get the debt removed and recover a substantial amount of money on your
behalf. All cases are handled on a contingency basis, so you don't
have to pay us anything unless we win your case. Know your rights and
Call Loan Lawyers now at (844) FIGHT-13 (344-4813) for a
free case review to find out how we can help.