Types of Debt that Influence Creditor Harassment
Any type of consumer debt can result in creditor harassment.
If you have debt from any of these sources, you may face harassing phone calls, e-mails or letters:
- Credit cards
- Auto loans
- Cell phone bills
- Medical bills
- Utility bills
- Tax bills
- Parking tickets
- And many, many more.
Debt buyers, third party debt collectors, debt scavengers and zombie creditors, purchase “bundles” of previously non-collectable debt. They often have no idea what type of debt is included in that bundle.
The debt generally comes from creditors who, for one reason or another, could not collect. After a certain amount of time, most creditors simply write off that money as “bad debt.” That’s when they may sell or refer the matter to a debt collection agency – which tries to collect the debt themselves. When they cannot collect, debt buyers come in and take a final shot at it.
Debt buyers often don’t play by the rules. They may violate the Fair Debt Collection Practices Act (FDCPA). That law prohibits debt collectors from using abusive and deceptive practices. Many debt buyers have been sued for violating the FDCPA.
Among the common violations:
- Threatening consumers and their families with violence.
- Harassing consumers by calling repeatedly or at unreasonable hours of the day or night.
- Contacting consumers at work or calling their supervisors
- Using social media sites like Facebook, Twitter or LinkedIn to embarrass or harass consumers.
- Sending harassing e-mails.
- Pretending to be an attorney or a law enforcement officer.
Debt Buyers Often Harass – Regardless Of Debt Validity
Because debt buyers purchase debt in bundles, they generally have little to no information about the underlying debt – or incorrect information altogether. However, that will not stop them from trying to collect on that debt – regardless of whether the debt is valid and still owed.
You can fight back – and we can help. If you’ve been the victim of abusive and deceptive debt collection practices in Tampa or anywhere in Florida, contact our attorneys at Florida Debt Fighters. We know the underhanded tactics creditors use to collect debts and we can help put a stop to them – once and for all.