Consumer protection laws have expanded to protect the increasing number of ways consumers can be contacted. Although a handful of debt collection agencies attempt to abide by the rules, many fail to respect the privacy of the consumers they are after. Many fail to even contact the right consumer, harassing a victim unnecessarily by calling several times a day at inconvenient hours. To protect consumers from Miami debt collection harassment, the Consumer Financial Protection Bureau and attorneys like us enforce the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).
Whether or not you owe a debt that has been passed to collection agencies you can receive annoying and sometimes unlawful collection calls. If you are being solicited by abusive debt collectors, the FDCPA highlights consumer protections. A consumer is not just the original consumer who incurred the debt, but the debtor’s spouse, parent, or guardian. Most kinds of debts are protected from illegal debt collection practices, including debts for personal, family, or household purposes such as credit card debts and hospital bills.
Some of the most common illegal tactics debt collectors utilize against you include:
• Calling too early in the morning or too late at night. The hours before 8 AM are off limits, as well as hours after 9 PM.
• Calling more than once a day.
• Calling more than 5 times per week.
• Calling over 20 times in one month.
• Calling at work when they have been asked not to.
• Using profanity to intimidate you.
• Using threats to attempt to coerce you into paying a debt.
• Telling family members, friends, coworkers, and generally anyone who is not involved in your debt about your debt, or asking them about your debt.
• Exaggerating the amount owed.
• Leaving prerecorded messages without your consent.
• Threatening arrest or violence.
• Suing for a time-barred debt.
• Failing to disclose their identity over the phone.
• Calling by using an automated dialing system without your consent.
• …and dozens more.
Don’t fall into their trap. These malicious acts can dig you deeper into debt and ruin your quality of life. Never exchange sensitive financial information over the phone. Instead, team up with an aggressive Miami FDCPA and TCPA lawyer to determine if you are entitled to compensation of up to $1000.00 per FDCPA violation! With over 200 possible violations, there is a good chance you stand to receive compensation from the harassment. Let the FDCPA lawyers at The Law Offices of Jibrael S. Hindi fight on your behalf. If they can determine that you have a case, they will represent you for FREE. Pick up the phone and call 1-844-JIBRAEL to speak with an attorney who specializes in Miami consumer law today.