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.


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 your property
  • 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 (1692(g) notice)


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 creditor harassment attorneys want 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 fight back!