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Robert N. Heath, P.A.
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Credit Card Debt Archives

What are important points about contact from creditors?

A major concern for Florida debtors who are having financial challenges is the constant contact from creditors. The debt is worrisome enough without the stress of those collection calls. Those who are struggling with debt should be aware that they have certain rights and there are things that creditors and debt collectors are not legally allowed to do. With debt collector contact, it is vital to remember that consumers are protected. If their rights are violated, it is the debt collector who can face problems due to their activities in the interest of collecting a debt.

Creditor harassment and disputing or denying a debt

Floridians who are having problems with debt will often be targeted by unscrupulous debt collectors and outright scammers to try and get money from them even if they do not owe what the alleged collector says they do. Some collectors will make claims on debtors that the debtor does not believe he or she owes or would simply like more information about. While having financial challenges can be a fearful time, that does not mean that people who have significant credit card debt should allow themselves to be taken advantage of. Knowing what to do if the debt is not believed to be theirs or they would like more information is vital.

Am I protected from false representations by creditors?

Floridians who are in debt and are unsure of how to get out of it will frequently experience bouts of fear and worry and not know what to do. Making this worse is when creditors and debt collectors contact the debtor and use various tactics to try and coerce them into paying. Certain forms of this constitute creditor harassment and, under the Fair Debt Collection Practices Act, are illegal. When the creditor or debt collector makes these false or misleading representations, it is important for the debtor to know how to recognize it and take steps to put a stop to it.

Understanding the negatives of filing for bankruptcy

When Floridians are overwhelmed by consumer debt, the easy answer they will often get is to file for bankruptcy. The most common chapter for people with credit card debt and other issues related to it is Chapter 7. This is a liquidation bankruptcy that is supposed to clear the debts and give the person a fresh financial start. While that may or may not be fully accurate, it is not a solution to all financial challenges. Once the process is done, many people regret it and wish they had considered and found another alternative.

Legal help in dealing with credit cards and massive debt

Floridians who are in tough financial straits and are not interested in filing for bankruptcy might think they are at the mercy of credit card companies and debt collectors who will simply not leave them alone. They call constantly and engage in creditor harassment, allude to what can happen to a person's credit and property if they do not pay off their credit cards and generally make their lives difficult. What debtors might not be aware of is that they have certain protections available to them and can get the creditors to back off if they hire a qualified debt lawyer who understands how to handle credit card debt.

Is there a time limit for collectors to pursue consumer debt?

When confronted by financial challenges, many Floridians are left unaware that there are some debts that they are no longer obligated to pay. This will not stop certain unscrupulous debt collectors from trying to get something from the debtor, but time-barred debts have a statute of limitations. It is against the law for a creditor or debt collector to sue a debtor for failing to pay time-barred debts.

The Fair Debt Collection Practices Act stops unfair practices

Pensacola residents who are confronted with financial challenges and are the subject of constant various forms of contact from debt collectors might not realize that there are limits to what these collectors can legally do. The Fair Debt Collection Practices Act (FDCPA) has rules against unfair practices. There are certain tactics that the debt collectors are not allowed to use to try and collect on a debt. These are known as unfair or unconscionable means. Knowing what they cannot do is vital to being fully protected under the law.

Recognizing creditor harassment and scams for debtors

For Floridians who have overwhelming credit card debt and are being contacted by creditors over delinquent payments, the worries can be a constant source of fear. While there are protections for debtors that are specifically designed to shield them from creditor harassment, that does not means that the calls over missed payments will stop. In some instances, the debt collectors are not representatives of the creditors, but are simply scammers trying to get money from distressed people. In others, the creditors are engaging in various behaviors that are clear violations of the law or stretch the rules and go over the line.

Interest rate increases putting pressure on credit card debtors

If you're one of the millions of Americans with credit card debt, you could be in for some bad news: the federal government has recently instituted two interest rate hikes that mean you'll be paying significantly more over the life of your debt. For someone already struggling to keep up with payments, the added interest could be the proverbial last straw.

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