Plantation Florida Debt Collection Lawyers

At Light & Gonzalez, PLLC our lawyers are ready to represent you to stop abusive debt collection practices and to try to get you compensated for any harm that those practices have caused you or your family.  Whether it is the servicer of your mortgage foreclosure loan or any other debt collector, we will investigate any debt collection activity that is interfering with your life.  Both federal statutes and Florida statutes provide remedies for debtors who have been the victim of unfair debt collection practices. Contact the Plantation Florida Debt Collection Lawyers at Light & Gonzalez, PLLC to request a free consultation.

Our attorneys will talk to you and find out whether you may have an unfair debt collection practice claim.  We are available for consultation in Broward County, and will handle any matter in Broward, Miami-Dade or Palm Beach County.    Contact us today to speak with a qualified lawyer to review your case and to try to get debt collectors to stop their abusive practices.

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Abusive debt collection practices, shakedown, extortion, South Florida Unfair Debt Collection Attorneys

Plantation Debt Collection Claims

Unfair debt collection practices can be a nightmare to individuals and families going through financial distress.  The last thing that someone who is going through a foreclosure, divorce, or recently lost their job needs is to have a debt collector harassing them at all hours of the day and night. Thankfully, because debt collection behavior was getting out of hand Congress and many state legislatures including Florida passed consumer protection statutes to safeguard against abusive debt collection practices. Our Plantation Florida Debt Collection Lawyers will bring actions against creditors or debt collectors using unfair practices. Contact our lawyers today to learn more about about your legal rights.

Federal and State Debt Collection Statutes

Federal and State statutes enumerate certain things debt collectors can and cannot do in order to collect a debt, and they provide remedies to borrowers when debt collectors violate these rules.  Unfortunately, but predictably, debt collectors still continue to utilize these prohibited practices in an effort to collect debts.  At Light & Gonzalez, PLLC our South Florida Unfair Debt Collection Attorneys available for free consultation in Plantation will investigate your potential claim and bring legal action against debtors whenever they have violated these state and federal laws.

Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act, or FDCPA, is the federal statute that prohibits debt collectors from engaging in certain debt collection activity. Below is a non-exhaustive list of violations of the FDCPA:

  • A debt collector cannot ask you to pay more than you owe.
  • A debt collector cannot tack on extra fees not expressly allowed under your agreement with the original creditor.
  • A debt collector cannot call you incessantly; this is considered harassment.
  • A debt collector cannot use obscene language when speaking with you.
  • A debt collector cannot call before 8:00 am or after 9:00 pm your local time.
  • A debt collector cannot call at times when they know is inconvenient. to you.
  • A debt collector cannot use or threaten to use violence against you.
  • A debt collector cannot threaten action they cannot legally take, such as when they cannot legally file a lawsuit.
  • A debt collector cannot inform certain third parties about your alleged debt.
  • A debt collector is not allowed to contact you at work once you have told them your employer does not allow these calls.
  • A debt collector cannot continue collection attempts after receiving a cease communication notice.

Actions Your Plantation Florida Debt Collection Lawyer Can Take

These are just a few of the actions that a debt collector cannot take pursuant to the FDCPA. If a debt collector has taken any of these actions against you contact Light & Gonzalez, PLLC to speak with a qualified FDCPA and South Florida Unfair Debt Collection Attorneys to investigate your legal claim against the debt collector. These federal claims can be brought against debt collector here in Florida by a qualified Plantation Florida Debt Collection Lawyer.

An FDCPA claim may arise within the context of another lawsuit, including a mortgage foreclosure action or a credit card claim.  Sometimes a FDCPA claim will arise from sloppy records keeping procedures or a miscommunication between the creditor and debt collector regarding the status of an alleged debt.  In some circumstances a debt collector will attempt to collect a debt that has already been forgiven by a creditor or they will claim you owe an amount on your loan that you no longer owe because a foreclosure action had been dismissed.  If this has happened to you, contact us today to speak with Plantation Florida Debt Collection Lawyer.

Florida Consumer Collection Practices Act

Similar to the Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act, or FCCPA, is the Florida law that protects its citizens from abusive debt collection practices. As compared to the FDCPA, Florida’s law has a more liberal statute of limitations, and it bars creditors from certain debt collection activities. This is an important distinction because it means that the FCCPA may provide for a claim against a debt collector when the FDCPA does not.

The FCCPA tracks the language of the FDCPA very closely, and thus the same list of violations listed in the above section for FDCPA claims also applies to the FCCPA.

Contact Light & Gonzalez, PLLC to speak with a South Florida Unfair Debt Collection Attorneys to discuss whether you may have an FCCPA claim due to abusive debt collection practices made by a creditor or debt collector.

Telephone Consumer Protection Act

The Telephone Consumer Protection Act, or TCPA, protects individuals and families from harassing robo-calls or other calls with prerecorded messages.  Once a debt is sold to a debt collector it is not uncommon that individuals and families begin to receive hundreds of telephone calls to their homes and cell phones attempting to collect debts.  In certain circumstances these phone calls violate the TCPA, but provide for a cause of action against the maker of the phone call for each and every illegal phone call they have made. Consumers may be awarded damages of up to $500 per phone call.

Contact Light & Gonzalez, PLLC today to speak to Plantation Florida Debt Collection Lawyers to discuss all of the options you have available, and we will work with you to try to achieve your goals whether you would like to try to settle your debts or try to recover damages for abuse you have received at the hands of debt collectors.

HOW CAN WE HELP YOU?

Harassing Phone Calls
Incorrect Debt Information
Door Knockers
Threats and Abusive Behavior
Threats of Jail
Pretending to be an Attorney
Pretending to be Law Enforcement
  • DO YOU WANT THE PHONE CALLS TO STOP?

    Our Plantation Florida Debt Collection Lawyers Can Help

    If debt collectors, which may include your mortgage servicer, are harassing you by making incessant phone calls you may have an unfair debt collection practices claim. Both federal and state law prohibit debt collectors from doing certain practices in an attempt to collect a debt. This includes calling you incessantly after you told them you are represented by counsel, or calling you at certain times of the day or night.  Contact Light & Gonzalez PLLC to speak with Plantation Florida Debt Collection Lawyers who can discuss how we may be able to stop these abusive practices.

  • DO YOU WANT TO BE LEFT ALONE?

    Our Plantation Florida Debt Collection Attorneys Can Help

    There are many options available to you that may stop the debt collector from continuing illegal debt collection activity. The Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act both provide consumers with remedies to get monetary relief and to stop the abusive debt collection practices. Contact the Plantation Florida Debt Collection Attorneys at Light & Gonzalez, PLLC to speak with a qualified lawyer to handle your legal matter.

  • DO YOU WANT TO SETTLE YOUR DEBTS?

    Our Plantation Florida Debt Collection Lawyers Can Help

    Light & Gonzalez PLLC will also help you negotiate with your creditor to settle any outstanding debts.  Our lawyers have experience in negotiating down consumer debts to amounts that our clients can afford, and we will work hard to do the same for you.  We understand that you may not see this as an option, but we will explore every avenue and creative solution possible to try to get you the best possible result in resolving your underlying debt. Contact the Plantation Florida Debt Collection Lawyers at Light & Gonzalez, PLLC today to request a free consultation.

  • DO YOU WANT TO KNOW YOUR LEGAL OPTIONS?

    Our Plantation Florida Debt Collection Lawyers Can Help

    We will always recommend that you explore every option you have available to you so you can make the most informed decision. We are happy to thoroughly discuss the pros and cons bringing a debt collection action against the creditor or debt collector who is harassing you. If you retain us we will litigate your case to its conclusion and work hard to get you the compensation you are seeking. Contact the Plantation Florida Debt Collection Lawyers at Light & Gonzalez, PLLC today to speak with an attorney qualified to discuss your debt collection matter. We are available for consultation in Plantation, and can be reached anytime at 754-900-6545.

Crushing Debt can be a Huge Burden with debt collectors
Crushing Debt can be a Huge Burden

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