Tampa Bankruptcy Attorney for Debt Negotiation and financial solutions.  Help with
Creditor Harassment.
Attorneys and Debt Counselors
Tampa, Bankruptcy Attorneys
3019 West Azeele Street
Tampa, Florida 33609

Phone: 813-876-3328
Fax: 813-876-3306
E-mail: pdc@bkrptlaw.com
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This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice, nor the
formation of a lawyer/client relationship. Persons accessing this site are encouraged to seek independent counsel for advice regarding their individual
legal issues. The hiring of a lawyer is an important decision that should not be based solely on advertisements. Before you decide, ask us to send you
free written information about our qualifications.
Anyone who has fallen behind on a bill or two knows what it’s like to receive a phone call from a creditor and there are
many strategies for dealing with creditors.  

If you explain why your account is in default, you may be able to make arrangements with the creditor to lower the
payments or make special payment arrangements.  Usually creditors are reasonable and will try to work with you.  In most
cases the debt can be handled amicably and life goes on as always.

Unfortunately there are situations in which creditors use tactics that are harassing and can be quite stressful.
Debt Collector/Creditor Harassment is prohibited by both Federal & Florida law.   These laws exist to stop abusive debt
collectors and abusive creditors from using prohibited collection techniques to collect debts. These laws also allow you,
the consumer, to seek damages against collection companies and creditors for violations of these consumer protections.

There are many things a creditor or collector is prohibited from doing.  They cannot threaten to use force or violence
against you.  They cannot contact your employer without obtaining a judgment against you or without having your written
consent.   A creditor cannot threaten to send the sheriff to your home or put you in jail.  They cannot use vulgar or
intimidating language and they cannot pretend to be attorney or from a legal department when in fact, they are not.   

Bill collectors have the right to collect legitimate debts but even creditors and bill collectors must abide by basic rules
under Florida and Federal law.  If you feel that you are being harassed from a debt collector, call the Attorneys and Debt
Counselors today.
Experienced and Affordable, Personal Service.
(813) 876.3328