918 Beard Avenue, Winter Park, Florida 32789

Stop Debt Harassment


Debt Collection Harassment and Your Rights

Debt Collectors Are Not Allowed To:

  • Harass you with daily phone calls to you or family or repeated calls with hang-ups
  • Embarrass you by contacting your friends, family or neighbors
  • Be excessively argumentative and rude including insulting, yelling or swearing at you
  • Threaten you with threats of repossession; garnishment of wages; or threat to arrest.
  • Call your workplace after you tell the debt collector to not contact you there
  • Not providing written notice. Debt collectors must send you written notice stating the amount of the debt and notification that the debtor has 30 days to dispute the debt.
  • Continue communication after disputing the debt. All communication must immediately stop when a debt collector receives your refusal or dispute letter.
  • Contact you when they know you have an attorney
  • Call you before 8 a.m. or after 9 p.m. on any day

If a debt collector is doing any of these items, it may be a violation and you may be entitled to compensation.

Steps You Can Take To Help Your Case

  • Save copies of all letters and notices from debt collectors
  • Save all text messages and voice mails from debt collectors
  • Take screen shots or pictures of each call from the debt collector showing the date and number they called from
  • Keep a log and notes of each conversation you have with the debt collector

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