Do you live in Pembroke Pines? Have you been getting harassed by bill collectors? If so, you’re not alone. According to recent statistics, roughly 30 million Americans are being harassed on a regular basis. As your debt collection attorney in Pembroke Pines, the Arcia Law Firm can put an end to these practices and relieve the stress that it is causing you. Our firm specializes in assisting individuals who are trying to do the right thing and with foreclosure assistance and forbearance assitance.
The reality is that many debt collectors can be ruthless in their attempts to collect what you owe. Fortunately, Congress passed the FDCPA or Fair Debt Collection Practices Act in 1978 as a response to a dramatic increase in bankruptcy filings. As your legal team, we will ensure that your rights under this law are protected and will help you with loan modification assistance and short sales assistance.
Creditor Harassment and Unfair Debt Collection Practices
At Arcia Law Firm, our bill collector harassment attorney in Pembroke Pines can explain the three key statutes that protect you from unfair debt collection practices. These include:
Fair Debt Collection Practices Act of 1978 (FDCPA) – this Federal statute governs any debt collection attempts made by a 3rd party. This refers to any company that has been hired by the original creditor to collect your debt or a 3rd party company who has purchased your debt from the original creditor.
Florida Consumer Collection Protection Act (FCCPA) – this is the state statute that governs the individual who is attempting to collect a debt from you. The difference between this statute and the FDCPA is that it provides the consumer with additional protection and allows them to sue the original creditor and the 3rd party debt collector.
Telephone Consumer Protection Act of 1991 (TCPA) – debt collectors and original creditors who use automated phone dialing systems to collect on a debt are governed by this statute. Basically, it prohibits them from contacting you on your cell phone without your consent.
Unfortunately, most Pembroke Pines residents are unaware of these laws and the protection that they provide against unfair collection practices. As your debt collection harassment attorney in Pembroke Pines, we will not charge you any attorney’s fees or other out-of-pocket expenses. The FCCPA and FDCPA mandate that payment of any and all attorney’s fees and other expenses will be the responsibility of the debt collector and original creditor.
Debt Collection Practices that violate Federal and State Laws
Federal and state laws (the FDCPA and FCCPA) govern the actions of debt collectors and mandate what they are allowed and not allowed to do when attempting to collect on a debt. When attempting to collect a debt, the individual representing a 3rd party debt collection company is not allowed to:
- attempt to contact you at your job
- call you once you’ve asked them to stop
- call you once you’ve informed them that you’ve hired Arcia Law Firm as your debt collection attorney or Pembroke Pines debt defense attorney
- call you prior to 8 am or later than 9 pm
- discuss your debt with another 3rd party
- place any computerized or robotic pre-recorded calls to your cell phone without your prior consent
- say garnish your paycheck or seize any of your property
- try to collect more than what you owe
- use insulting language or profanity when attempting collect what you owe.
For additional information and for help with mortgage forbearance about how we can help or to schedule an appointment with a creditor harassment attorney in Pembroke Pines, contact the Arcia Law Firm today. We will be glad to be of assistance.