James Turner Office Address Orlando Attorney James Turner Logo Orlando Attorney James Turner Phone
orlando overtime attorney

DEBT RELIEF LAW CENTER

Attorney N. James Turner Can Help
Stop The Harassment!


WHEN AND HOW A DEBT COLLECTOR CAN CONTACT CONSUMERS AND THIRD PARTIES - Consumer Rights Article

Orlando Consumer Rights Lawyer - providing affordable legal services concerning Debt Collection Harassment, Debt Collection Defense, Bankruptcy, Student Loan Dispute, Auto Fraud, and other Consumer Law legal services, for residents of Orlando, Kissimmee, and throughout Central Florida.

Call The Debt Relief Law Center at Toll Free 1.888.877.5103 to Schedule a Confidential and FREE Legal Consultation with Attorney, N. James Turner

Section 804 of the FDCPA states the requirements a debt collector must follow when contacting a third party in order to determine the specific location of the consumer.

One such requirement is that the debt collector may communicate with a third party only once, unless there is a reasonable belief that the statements provided during the first call were false or unless the third party requests to be contacted more than once. Further, an additional requirement is that the debt collector cannot reveal to a third party that the consumer owes any such debt.

Sections 805 and 806 state how a debt collector can communicate with the consumer. This section determines what times and places are appropriate for a debt collector to call, who to call if the consumer is represented by an attorney, whether the consumer can be called at their place of employment and when communication must cease. Such requirements prevent the debt collector from:

  • Threaten you in any way;
  • Harass you in any way;
  • Leave ANY voicemail that does not:

    1. identify the collector;
    2. Identify the company and
    3. State that any information will be used for debt collection purposes;

  • Calling on a repeated and continuous basis/excessive calls (every day or 2-3 times in a single day);
  • Calling prior to 8 a.m. and after 9 p.m.
  • Informing a third party about your debt or leaving a message that a third party hears;
  • Contacting the consumer at work when it is known that the employer prohibits such communications or after the collector is told not to;
  • Attempting to continue collecting after a notice to stop communication has been given either orally or by written communication;
  • Using language that is obscene, profane or abusive
  • Threatening or using violence to collect, etc.

 

Contact Consumer Rights Lawyer, N. James Turner at The Debt Relief Law Center by Calling Toll Free 1.888.877.5103 to Schedule a Confidential and FREE Legal Consultation.

Orlando Consumer Rights Lawyer, N. James Turner proudly serves the Debt Collection Harassment, Debt Collection Defense, Bankruptcy, Student Loan Dispute, Auto Fraud, and other Consumer Law legal needs for residents of Orlando, Kissimmee, Orange County, Osceola County, Seminole County, and throughout Central Florida.

Orlando Lawyer N. James Turner

N James Turner Tesimonials

Frequently Asked Questions

debt collection defense

DEBT COLLECTION DEFENSE

Read More

If you are dealing with a situation in which you, as a consumer, are not being dealt with properly in a consumer related transaction or circumstance, find out what your legal rights are. Seek the advice and representation of experienced legal counsel.

credit card debt defense

CREDIT CARD DEBT DEFENSE

Read More

Every day those with credit card debt are harassed by a number of collection agencies that commonly use unethical and sometimes illegal means to attempt to collect debt.

 

student loan debt defense

STUDENT LOANS

Read More

Higher education is an investment in one's future; and it can be expensive. If you are being harassed by student loan creditors or debt collection agencies, find out what your legal rights and options are. Make sure your are informed and your rights ar protected.

debt collection harassment

COLLECTIONS HARASSMENT

Read More

Being harassed by creditors or debt collectors is illegal. There are both State and Federal Debt Collection Laws that exist to protect the consumer from harassment and other illegal activities by collection agencies, their subsidiaries, and third parties.

auto fraud

AUTO FRAUD

Read More

There are a variety of state and federal laws that were created to protect you when you buy a used or new car. Auto dealership fraud can include unfair or deceptive practices, repossession and "buy here pay here" auto dealerships.

 

overtime pay disputes

BANKRUPTCY

Read More

Bankruptcy is a mechanism of the Federal Government to allow debtors (people who owe money) to restart their lives when they have gotten into a financial dilemma where there is no reasonable way to repay the debts they owe.

videos

VIDEOS

Read More

Orlando Consumer Rights Lawyer - watch these informative videos about consumer rights in the financial services industry.

 

frequently asked questions

FAQ

Read More

We answer some of the most common Debt Collection Harassment Question that we hear on a daily basis.

 

espanola

SPANISH VERSION

Read More

Si usted es una de las millones de personas acosadas por un cobrador de deudas desaprensivo, la ley está de su parte. El Acta de Prácticas Justas Para el Cobro de Deudas, regula las prácticas de los cobradores de deudas y les impone sanciones que rompen las reglas.

 

ABOUT JIM TURNER

STARTED SINCE 1990

Orlando Consumer Rights Lawyer - providing aggressive and affordable professional services to consumers who have been victims of debt collection harassment by debt collectors and auto fraud, to residents in Orlando, Kissimmee, and throughout the Central Florida Area.

Read More

 


Home | N. James Turner | Contact Us

Debt Collection Defense | Collection Harassment

Credit Card Debt Defense | Student Loan Issues

Identity Theft Issues | Predatory Lending

Wrongful Repossessions | Collections Lawsuits

Auto Fruad | Bankruptcy

Debt Collectors | Deceptive Business Practices

Fair Debt Collection Practices Act (FDCPA)

Florida Consumer Protection Act (FCPA)

Espanol | FAQ | Testimonials | Video | Articles

Sitemap


overtime attorney orlando image

 

 

 

 

overtime attorney orlando image



orlando overtime attorney bottom image

© 2016 N. James Turner, Attorney at Law.

All Rights Reserved. DISCLAIMER: The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask the lawyer to send you free written information about their qualifications and experience. This website has been prepared for informational purposes only and not as legal advice. Neither the transmission, nor your receipt of information from this website creates an attorney-client relationship, which can only be formed in writing between you and the attorney you choose to represent you.