Florida consumers overwhelmed by debt understand how difficult it can be to deal with the consequences of their financial situation. From threats of foreclosure to the repossession of personal property, it can be stressful, especially when also experiencing harassment from creditors. By successfully seeking debt relief through bankruptcy, a consumer can also secure relief from the threats and tactics employed by debt collectors.
Debt collectors may seek to collect what a person owes on a past-due debt, but there are certain types of behaviors that are unacceptable and qualify as harassment. A person may be a victim of creditor harassment if he or she is subjected to repeated phone calls, inappropriate language, the threat of any type of harm and more. Debt collectors also cannot call a person without identifying who they are and why they are calling.
People who are experiencing creditor harassment may think there is nothing they can do. In fact, a consumer has the right to take action and seek an immediate stop to this type of treatment. The Fair Debt Collection Practices Act protects the rights of consumers, no matter how much debt they have or how far behind they are on payments.
A Florida consumer can fight back against inappropriate treatment from creditors, but it is also possible to get relief from all types of creditor contact by filing for bankruptcy. A person does not have to endure harassing behaviors from debt collectors, and may find it beneficial to learn how to put a stop to it, pursue debt relief and lay the groundwork for a better financial future. A complete evaluation of the individual case can reveal the options available.