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Under the FDCPA, creditors don’t have the scope or power to harass you, engage in unfair and illegal practices, or make false statements against you. Some of the most common cases of prohibited collections include threatening a debtor with harm or physical violence, publishing public lists of people with unpaid or overdue debts. Credit reporting firms can give you this information. Creditors can repeatedly call you over the phone with the sole intention of harassing or annoying you. One of the most common examples of Collection Agency Harassment in Miami is creditors falsely claiming to be a police officer, lawyer, or any other government agent. They even lie and say that you’ve committed a crime. They threaten with you immediate arrest.

Know your rights

On most occasions, misrepresentation of the amount you owe is the most common form of Collection Agency Harassment in Miami. The surreptitious debt collectors even threaten you with legal action until the law actually permits them to do so. They always have intentions to file litigation and use false names of companies. More often than not, these agencies try to collect any interest, charge or fee on top of what you actually owe. They continue doing this unless the concerned contract that built the debt, paved the path for its inclusion.

More than prohibitions

Now that you already know about the FDCPA prohibitions to stop Collection Agency Harassment in Miami, you need to remember that it’s quite possible and common for collection agencies and creditors to sue a consumer for the sum owed. If the court renders a judgment against you, the concerned creditor has the leverage to garnish your payments and wages, directing your bank or employment concern to turn over the financial resources and funds to blanket the judgment’s balance. Keeping this in mind, you must never ignore or skip a lawsuit notice a collection agency files against you.

Know the statutes

On the other hand, if the creditor violates FDCPA rules, you will have enough grounds to file civil litigation against the creditor or collection agency. In this case, you don’t have to prove losses or actual damages to win. However, you will always need an experienced lawyer by your side to guide you against Collection Agency Harassment in Miami. The FCCPA or Florida Consumer Collection Practices Act supplements the fortifications and protections FDCPA provides. In other words, Floridian law provides you with even greater fortification.

Grasp of the law

For starters, you need to know that the law requires every debt collector, which include the ones functioning outside the state to register themselves within the state. However, there are certain exceptions for banks, original creditors, attorneys and insurance and real estate professionals. Do remember that firms can’t knowingly retain the services of an unlicensed and unverified collection agency for collecting debt. Additionally, creditors and collection agencies have no right to contact or notify third parties about your until and unless that third party happens to be your lawyer. If case you do have an attorney representing you, the concerned collection agency doesn’t have permission to contact you directly. Everything should come via the lawyer. For more information visit Our Website