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Debt Harassment

Debt Harrassment in South Florida

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When you’re behind on your bills, it can seem like the walls are closing in on you. Each day, it seems like there’s another phone call or letter demanding that you pay your debt. While debt collectors are able to contact you as long as you haven’t filed for bankruptcy, they cannot harass you. Unfortunately, far too many debt collectors disregard federal and state laws and harass consumers, making an already challenging situation worse.

The law is on your side if a debt collector is harassing you. Contact a South Florida debt harassment lawyer to go over your case and your legal options.

Illegal Debt Collection Activities

State and federal laws outlaw some collection activities. These practices include:

Demanding a higher payment than what you owe
Contacting you at work after you asked them to stop
Using profane or abusive language
Making verbal threats
Threatening false legal action
Calling before 8 a.m. or after 9 p.m.
Telling friends, family, or neighbors about the debt
Continuing to contact you after you tell them to stop
Continuing communications after knowing that you’ve retained a lawyer

Stop The Harassment And Get Out Of Debt

A South Florida debt harassment lawyer can put a stop to communications from the debt collector. First, your attorney will contact the debt collector directly. After explaining that you have retained an attorney, he or she will advise that all communications will go through the law firm. At this point, the creditor cannot legally contact you. If the creditor continues to do so, it will be an FDCPA violation.

Along with stopping the harassment, your attorney can advise you of your legal options to get out of debt. First, the attorney might have the collection agency validate the debt. If it’s not valid, the collection agency must drop collection efforts. Your attorney might also advise you to file for Chapter 7 or Chapter 13 bankruptcy. Filing for bankruptcy also stops all collections efforts.

Suing For Creditor Harassment

If you are the victim of creditor harassment, you can file a lawsuit for actual and statutory damages. Actual damages refer to the amount of money that you lost as a result of the violation. If you don’t have any actual damages, you can still sue for statutory damages and collect up to $1,000. Also, you can collect up to $1,500 per robocall violation.

Along with damages, you can also collect attorney’s fees if your suit is successful. That means the creditor will pay your South Florida debt harassment lawyer, so you won’t have to cover legal fees.

Will Filing For Bankruptcy Stop Harassment?

If your debt is valid and you cannot afford to pay it, filing for Chapter 7 or Chapter 13 bankruptcy might be your best path forward. Collection efforts must stop as soon as you file for bankruptcy. That means you won’t receive harassing phone calls or letters. Also, your debt will be discharged or restructured, depending on the type of bankruptcy you choose. Filing for bankruptcy is a serious decision that you should discuss with an attorney before moving forward.

Statute Of Limitations For Debt

Has it been more than five years since you made a payment on your debt? If so, the statute of limitations has passed, and the creditor must stop trying to collect on the debt. However, the time will reset if you make payment. Because this is confusing, it’s wise to contact a South Florida debt harassment attorney if you think the statute of limitations is up. The attorney will review your payment history and contact the debt collector to end collection efforts if enough time has passed. Also, your attorney can file a suit if any violations have occurred.

Will Filing For Bankruptcy Stop Harassment?

If your debt is valid and you cannot afford to pay it, filing for Chapter 7 or Chapter 13 bankruptcy might be your best path forward. Collection efforts must stop as soon as you file for bankruptcy. That means you won’t receive harassing phone calls or letters. Also, your debt will be discharged or restructured, depending on the type of bankruptcy you choose. Filing for bankruptcy is a serious decision that you should discuss with an attorney before moving forward.

Statute Of Limitations For Debt

Has it been more than five years since you made a payment on your debt? If so, the statute of limitations has passed, and the creditor must stop trying to collect on the debt. However, the time will reset if you make payment. Because this is confusing, it’s wise to contact a South Florida debt harassment attorney if you think the statute of limitations is up. The attorney will review your payment history and contact the debt collector to end collection efforts if enough time has passed. Also, your attorney can file a suit if any violations have occurred.

Why Choose Santos Law Offices

Why Choose Santos Law offices

  • Free Consultation – Go over your case during the free phone consultation. 
  • Highly Rated – The firm has received numerous rave reviews and recommendations on Google and Avvo.
  • Bilingual – Dalyla Santos and the staff at The Santos Law Offices are fluent in English and Spanish, ensuring that each client receives proper representation. 
  • Multiple Practice Areas – The Santos Law Offices specializes in bankruptcy, civil litigation, insurance claims, and immigration. 
  • Personalized and Affordable Legal Services – Dalyla Santos truly cares about her clients. She provides personalized and affordable legal services to help individuals and citizens throughout South Florida.
  • A Firm With Purpose – The Santos Law Offices gives back to the community through pro bono work, mentorships, and charitable donations. Also, employees are supported and recognized for the work they do.

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I highly recommend the Santos Law Office if you get sued by a credit card collection agency. I called them and had an appointment by phone, the next day. Within 3 weeks my case was settled and I had a affordable payment plan to settle my debt. Best part of all, I never stepped foot in a court. Thank you Santos Law Offices!!

Vanessa M.

I want to take a second to thank you guys! I never thought that the claim to bring my mother to come from Cuba would move so quickly! it's incredible that within 10 months I was able to finally have my mother by my side after not seeing her for 16 years thank you so much guys!!

Iazaro M.

Yoan RodríguezYoan Rodríguez
16:18 06 Apr 22
I'm so happy!!! And very satisfied with the service and I especially recommend Ariadna Santos for her great work 😊 👍
Yoly EdenYoly Eden
21:52 25 Feb 22
Everyone in that office is willing to help and answer a questions. That’s amazing when I visited the office everyone was so helpful. When I call the office everyone that picks up the phone is so helpful. It’s teamwork that makes your Firm so professional! Thank you again for your support! Best Bankruptsy Lawer, “Santo Law”!
Dan CruzDan Cruz
02:59 13 Dec 21
Amazing team and seasoned attorneys! Great negotiators when it comes down to closing the deal!Took care of a couple of my accounts and were able to get amazing results. Thank you so much guys! Definitely recommend The Santos Law Offices to anyone.
Vanessa MartinezVanessa Martinez
03:36 03 Mar 21
I highly recommend the Santos Law Office if you get sued by a credit card collection agency. I called them and had an appointment by phone, the next day. Within 3 weeks my case was settled and I had a affordable payment plan to settle my debt. Best part of all, I never stepped foot in a court. Thank you Santos Law Offices!!
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