If you live in Odessa, FL and are having to deal with debt collection harassment, don’t worry, Florida and Federal law protects you. Elkin-Peck, PLLC are attorneys who service Odessa, FL and all surrounding areas. So if you live in Odessa and have received a debt collection letter, are dealing with collection agencies, experiencing debt collection harassment, or are being contacted by a creditor trying to collect a debt it is important to know about consumer protection acts that establish your rights. The Federal Fair Debt Collection Practices Act as well as the Florida Consumer Collections Practices Act protect you from abusive, harassing or otherwise illegal debt collection tactics of collection agencies attempting to collect consumer debts. A consumer debt can be a lot of things including medical debt, credit card debt, mortgage debt, student loan debt, cell phone/cable debt, rent, and many other types of debts incurred for personal purposes. Florida debt collection law has a broader reach than the Federal debt collection law because the Florida law applies not only to debt collection agencies but also to first party creditors such as your credit card company, mortgage company, and auto finance company. For a thorough review of what constitutes a violation of Florida law visit our main web page.
There are many ways collection agencies can violate debt collection laws. If you live in Odessa, debt collection agencies cannot call you after 9pm, collect sums which they know are not due, contact you if you have an attorney, disclose information which affects your reputation to a third party, disparage or call you names, threaten to sue you or garnish your wages if the debt is past the statute of limitations, pretend to be attorneys or law enforcement, charge you for their call, keep calling you if you keep telling them to stop, refuse to tell you who they are or who they are calling on behalf of when you ask them, and much more. Further, Federal debt collection law requires that collection agencies tell you in each communication (including in voicemail messages) that the communication is from a debt collector. If live in Odessa, FL and you feel like your rights have been violated please feel free to call Elkin-Peck, PLLC for a free consultation. We would be more than happy to answer any questions you may have about debt collectors, collection agencies, bill collectors, debt collection laws, consumer law, debt collection harassment, and other questions you may have.