Can a creditor harass me in the state of Florida because I owe money?

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1. 

   Michael Ireland

   Thousand Oaks Bankruptcy Attorney

   Contributor Level 12

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   Answered February 14, 2013 14:01. No. Harassment like that is illegal anywhere in the USA. The FDCPA prohibits it.
   
   KEEP GOOD RECORDS! Get a pocket spiral note pad just for this issue and keep track of date, time, number, and person calling EACH time they call.
   
   I urge you to contact a local, competent attorney familiar with FDCPA lawsuits and sue the harassing collector.
   
   Good luck.

   If you need further clarity, please email me at MICHAEL@MIRELAND.US Answers to questions are for general... moreIf you need further clarity, please email me at MICHAEL@MIRELAND.US Answers to questions are for general information purposes only and do not establish an attorney-client relationship. This is not legal advice, simply information. You SHOULD NOT act on this information without consulting a competent bankruptcy attorney in your area and providing ALL relevant information. less

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2. Licensed in FL

   

   Anthony Perrone

   Jacksonville Real Estate Attorney

   Contributor Level 6

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   Answered February 14, 2013 14:02. Probably not. Do you owe him something? If it is a personal debt and he is attempting collection, he does not fall under the definition of a debt collector under the FDCPA.

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3. Licensed in FL

   

   Mark Tischhauser

   Tampa Personal Injury Lawyer

   Contributor Level 6

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   Answered February 21, 2013 13:00. As a lawyer with a practice focus in this very area, if its a consumer debt they are attempting collect, no. If its a consumer collector, they are governed by both the FDCPA and the Florida FCCPA. If its a creditor they are subject ONLY to the Florida FCCPA and NOT the FDCPA. If the debt is commerical or not a collection effort, i.e. repossession, skip trace, location issue, these are not subject to those restrictions. If you have detailed questions, feel free to contact our office

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4. 

   Todd Mannis

   Lawyer

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   Answered February 14, 2013 15:11. You might also want to give what information you have to the Federal Trade Commission. They may have this person/company on their radar, and might be interested in this.

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