Dealing with Credit Card Debt Harassment
When it comes to debt collectors, one of the most popular cases that they get assigned is credit card debts. Because credit cards are typically unsecured debts with no collateral, many credit card companies give these cases to debt collection agencies to collect your payment. Most of these debt collectors will be calling all the time, which is legal as apart of Florida’s credit card debt laws. Florida residents should be aware though that these debt collectors have to act in a respectable and professional manner otherwise there could be serious legal repercussions. Just because someone is behind on their payments does not give the right for another party to be harassing or malicious.
Understanding Federal Debt Collection Laws
Regardless of what state you live in, there is federal legislation in place that dictates what a debt collector can do under federal credit card debt laws. Florida residents Might have heard of the Fair Debt Collection Practices Act that helps set restrictions for debt collectors, and for more than just credit cards. Debt collectors have to act professionally when they are collecting payments of credit cards, mortgages, and even medical debts and disputes. One type of debt that is not covered and enforced by the FDCPA is business debts.
What are These Restrictions for Debt Collectors?
Debt collectors needs to follow strict protocol when dealing with debt collections because they could be subjected to legal action taken against them and the company they represent. Like that of Telemarketers, debt collectors are restricted from calling anyone before eight in the morning and after nine at night. Additionally, if you have requested to not be contacted at work about your debt, debt collectors have to honor your request under current credit card debt laws. Florida residents are also safe from any type of verbal harassment such as blank threats and vulgar language. If you do not want to deal with a debt collector, you have the right to hire an attorney to represent you from now until the debt is settled.