CALL US NOW at (813) 591-DEBT
WE SUE ROBOCALLERS & DEBT COLLECTORS
DEBT COLLECTION VIOLATIONS AND HARASSMENT
Debt Collectors Must Treat You With Truth, Fairness, Dignity & Respect
Are you receiving unwanted ROBOCALLS to your Cell Phone?
- You May Be Entitled to up to $1,500 per call!
- We Will Make the Calls Stop!
- Save all voice mails.
- Save all caller ID screens.
- Save all your cell phone statements.
Are You the Victim of Harassment and Abusive Treatment by Debt Collectors?
- You may be entitled to money for false/misleading debt collection activity.
- You may be entitled to money damages for distress caused by abusive debt collectors.
- Save all collection letters.
- Save good notes on all conversations.
All matters handled on contingency fee basis. We only get paid if we win your case.
Are Debt Collectors Harassing you?
If you are a victim of collection harassment, contact us today and we will sue the debt collector. This could put money in your pocket. Do you have a good case? Here are some examples of what to look for:
Harassment. Debt collectors are not allowed to harass, oppress, or abuse you or any third parties they contact. They cannot:
- threaten you with violence;
- publish your name as a person who refuses to pay their debts;
- use obscene language; or
- annoy you through repeated phone calls.
False statements. Debt collectors not allowed to lie to you to collect a debt. They cannot:
- falsely claim that they’re attorneys or law enforcement;
- falsely claim that you’ve committed a crime;
- falsely claim they work for a credit reporting company;
- give you false amounts that you owe;
- falsely claim that papers they send you are legal forms; or
- falsely claim that papers they send you aren’t legal forms.
Debt collectors cannot say:
- that you’ll be arrested for nonpayment of debt;
- that they’ll garnish or seize property or money if they’re not permitted to do so by law; or
- that they’ll sue you, if they don’t really intend to or if doing so would be illegal.
Debt collectors cannot:
- report false credit information about you to credit reporting companies;
- send you official looking documents from a courts or the government if they’re really not; or
- use false names.
Unfair practices. Unfair practices include:
- attempting to collect fees, interest, or other charges if the original contract or state law doesn’t allow for it;
- deposit post-dated checks early;
- illegally take property or threaten to take your property; or
- contact you with postcards.
If you’re behind in paying your bills then a debt collector will contact you and very likely harass you. Don’t shy away from the harassment. We may be able to turn Debt Collection Violations into money in your pocket.
The Fair Debt Collection Practices Act (FDCPA) and The Florida Fair Debt Collection Practices Act are laws that are meant to prevent debt collectors from using unfair, abusive or deceptive practices to collect money from you.
The Telephone Consumer Protection Act (TCPA) is a federal act that entitles consumers who receive robocalls from collectors on their cell phones to compensation—up to $1,500 per call.
If you think a debt collector is harassing you, here are some questions to consider:
What types of debts are covered by the FDCPA?
Consumer debts only. Consumer debt includes mortgages, credit cards, student loans, medical bills and car payments. No business debts.
Can debt collectors contact me any time or any place?
No. Debt collectors can only call at normal hours, before 8 a.m. or after 9 p.m..
Can debt collectors contact me at work?
Debt collectors shouldn’t call you at work. If they do tell them to stop.
Can I stop debt collectors from contacting me?
Yes. For unwanted cell phone calls or robocalls just tell them to stop and then make a note of the time and date you told them. For other debt collectors, sending them a letter asking them to stop is best. Our firm offers cease and desist services for a flat rate. Keep in mind that telling a debt collector to stop contacting you doesn’t get rid of the debt.
Can debt collectors contact others about my debt?
Debt collectors can only contact 3rd parties to find your contact information. But they’re only supposed to contact a 3rd party one time. Debt collectors shouldn’t give out any information about your debt or the reason why they’re looking for you. If a debt collector does call and harass your friends and family we will sue them.
Does the debt collector have to give me information about the debt?
Yes. Debt collectors must send you a “validation notice” in writing within five days of first contact. This notice must include the creditor’s name and how much you owe. Our firm offers validation services. Once we request validation, the debt collector can’t contact you until they can produce written verification of the debt.
What if a debt collector sues me?
Contact our firm immediately. We offer affordable collections defense and bankruptcy services. The worst thing that you can do is nothing.
Can debt collectors garnish my pay check or bank account?
If debt collectors sue you and win judgments then they may be entitled to garnish your wages or bank accounts. Our firm offers collections defense or bankruptcy services if you’re currently being sued. Doing nothing will almost always lead to a garnishment. By the time you learn about the garnishment, the money will already be gone from your account. Don’t wait until the last second. Call us today.
Can my federal benefits be garnished?
The following federal benefits are exempt from garnishment:
- Social Security Benefits
- Supplemental Security Income (SSI) Benefits
- Veterans’ Benefits
- Civil Service and Federal Retirement and Disability Benefits
- Military Annuities and Survivors’ Benefits
- Federal Emergency Management Agency Federal Disaster Assistance
However, your federal benefits may be garnished to pay student loans, delinquent taxes, alimony, or child support.
Be careful, if those benefits sit in a bank account then debt collectors will probably garnish those accounts and force you to fight for your money in court.
Can I sue debt collectors if they violate the law?
Yes. That’s what we do at STAMATAKIS + THALJI + BONANNO. If debt collectors are harassing you then we can sue them and put money into your pocket. Imagine that you go from being harassed by a debt collector to them cutting you a check for your trouble. Contact us today. You have nothing to lose, we don’t get paid unless we win your case.