Defense against Debt Collection

Are you being harassed by a debt collector?

Under the Fair Debt Collection Practices Act (FCDPA), debt collectors cannot harass a person who owes a debt.

Some examples of harassment are:

  • Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone
  • Obscene or profane language
  • Threats of violence or harm
  • Publishing lists of people who refuse to pay their debts (this does not include reporting information to a credit reporting company)
  • Calling you without telling you who they are

If you live in the Palm Bay or Melbourne area and believe you have been getting harassed by a debt collector, we may be able to help.

What can you do to protect yourself?

  1. Keep a file of all letters or documents a debt collector sends you and copies of anything you send to a debt collector.
  2. Write down dates and times of conversations along with notes about what you discussed.

Keeping records can help you if you have a dispute with a debt collector, meet with a lawyer, or go to court.

The information on this page was pulled from a debt collection article on consumerfinance.gov.  Here is the direct link to the resourceful article:  What is Harassment by a Debt Collector?

In addition, the Consumer Financial Protection Bureau (CFPB) also has sample letters that can be used to respond to a debt collector.  There are also tips on how to use the letters.

Get the Help you Need

Attorneys Mike Faro, Chris Crowder, and Michelle Meulke help individuals, families and businesses with foreclosure defense throughout Central Florida, Brevard County and the Space Coast including Cocoa Beach, Cocoa, Indian Harbour Beach, Melbourne, Palm Bay, Satellite Beach, Titusville, Grant-Valkaria, Indialantic, Malabar, Melbourne Beach, Melbourne Village, Palm Shores, Cape Canaveral, Rockledge, West Melbourne, Cocoa West, June Park, Micco, Mims, Patrick AFB, Port St. John, Sharpes, South Patrick Shores, Viera East, Viera West, Barefoot Bay, Canaveral Groves, Courtenay, Floridana Beach, Indianola, Melbourne, Scottsmoor, Suntree and Viera.

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