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DEBT RELIEF LAW CENTER

Attorney N. James Turner Can Help
Stop The Harassment!


Fair Debt Collection Practices Act (FDCPA) - Orlando Florida Attorney

Orlando Consumer Rights Lawyer - providing affordable legal services concerning Debt Collection and Consumer Rights 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 Consumer Rights Attorney, N. James Turner

According to the Fair Debt Collection Practices Act, a Debt Collection Agency are also in violation if their actions include:

Harassment: Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

  • Use threats of violence or harm;
  • Publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
  • Use obscene or profane language; or
  • Repeatedly use the phone to annoy someone.

False statements: Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

  • Falsely claim that they are attorneys or government representatives;
  • Falsely claim that you have committed a crime;
  • Falsely represent that they operate or work for a credit reporting company;
  • Misrepresent the amount you owe;
  • Indicate that papers they send you are legal forms if they aren’t; or
  • Indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:

  • You will be arrested if you don’t pay your debt;
  • They will seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so;
  • or Legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:

  • Give false credit information about you to anyone, including a credit reporting company;
  • Send you anything that looks like an official document from a court or government agency if it isn’t; or
  • Use a false company name.

Unfair practices: Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

  • Try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
  • Deposit a post-dated check early;
  • Take or threaten to take your property unless it can be done legally; or
  • Contact you by postcard.

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.

It is important to note that it is unlawful for Creditors, Debt Collection Agencies or Third Party Debt Collectors to harass you or violate any conditions of the Fair Debt Collection Practices Act (FDCPA).

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 and Consumer Rights legal needs for residents of Orlando, Kissimmee, Orange County, Osceola County, Seminole County, and throughout Central Florida.

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Frequently Asked Questions


DEBT RELIEF LAW CENTER CASE EVALUATION QUICK FORM

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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.

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We will investigate your credit report error and make sure that the error is corrected. We willl dispute the item, insisting that the information furnisher produces evidence substantiating the error or removes the item.

 

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BANKRUPTCY

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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.

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VIDEOS

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

 

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FAQ

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

 

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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 Credit Repair, to residents in Orlando, Kissimmee, and throughout the Central Florida Area.

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© 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.