Practice Areas
- FDCPA Violations
- Debt Collection Defense
- Condo & HOA Liens
- Mechanic's Liens
- Class Action Lawsuits
- Arbitration Awards
- ATM Violations
- TCPA Violations
- Text Messages
- Junk Faxes
- FACTA Violations
- Wage & Bank Garnishment
Defending debt collection lawsuits and suing abusive debt collectors under the FDCPA
Violations of the Fair Debt Collection Practices Act (FDCPA)
It is no secret debt collectors sometimes resort to persistent and overly aggressive tactics when attempting to collect outstanding debts. However, did you know that most of these tactics are also against the law? In both state and federal levels, laws and statutes recognize the devious methods debt collection agents and agencies utilize to scare debtors into handing over their hard-earned money.
To curb abusive debt collection practices the federal government passed the Fair Debt Collection Practices Act (FDCPA) in 1978. The FDCPA actively prohibits debt collectors from using deceitful methods to collect outstanding debts. In fact, under this law the debt collector may actually have to pay $1,000.00 dollars for violating your rights!
Debt collection agencies use dirty tactics in an attempt to intimidate you into paying a debt you have very little means to pay. Not only is this unfair, but also unreasonable. Seldom do debt collectors take into account your current standard of living and the people that depend on you for roof and shelter. When a debt collector uses profane language, lies, and threats when speaking with you, they have broken the law and should be held accountable.
Are you currently being illegally harassed by a debt collection agency? As an experienced Florida Debt Collection Defense Lawyer, Scott D. Owens, Esq. will consult with you on the best course of action to take when dealing with abusive debt collectors as well as defend your consumer rights.
If a debt collection agent or agency has ever threatened you in any way, you have been the victim of debt collection abuse and you can file a lawsuit to protect your consumer rights and pursue compensation for damages.
Examples of illegal debt collection tactics include:
- Calling too early in the morning before or too late at night
- Telephone calls made from an auto-dialer
- Using profane language when attempting to collect
- Threatening you in any manner
- Not revealing their identity
- Suing on a time-barred debt
- Misrepresenting the debt in any way
- Contacting you when represented by an attorney
- Contacting third parties regarding your debt
Are you currently being illegally harassed by a debt collection agency? As an experienced Florida Debt Collection Defense Lawyer, Scott D. Owens, Esq. will consult with you on the best course of action to take when dealing with abusive debt collectors as well as defend your consumer rights.
Banks vs. Consumers (Guess Who Wins)
The business of resolving credit-card disputes is booming. But critics say the dominant firm favors creditors that are trying to collect from unsophisticated debtors
Dateline NBC Exposes the Sleazy Debt-Collection Industry
In some splendid investigative reporting, Hansen shows just how brazen third-party debt collectors can be. In one case, a collector threw a string of insults at a consumer. In another, a collector indicated that an alleged debtor was going to be thrown in jail.
Credit card companies can be as slippery as a handful of greased Jell-O. They have all kinds of tricks to gouge your wallet and drive up your bill. While arguably unfair, all these tricks are legal, leaving you no alternative but to stay as informed as possible to protect yourself.
Aggravated Cardholder Turns The Tables
This is the story of one man who, in some small way, is fighting back. It's the story of a man who, driven by the sarcasm of another, decided take on the system.