Nagging phone calls can be a powerful tool that debt collectors often use break down a borrower's resistance. What many consumers don't know is that harassing phone calls can be illegal.

You can stop the annoying phone calls by writing a letter demanding that the debt collector stop the collection calls. If you continue to receive phone calls or letters from the debt collector after you send the letter you may be able to sue the debt collector for statutory damages. The federal and Florida debt collection laws provide for $1,000.00 in statutory damages, plus legal fees and costs. However, please keep in mind that stopping the phone calls does not make the debt go away, it just stops the most annoying aspect of collections.

If you need help with writing the demand letter, please feel free to call us for a FREE CONSULTATION where we can give you tips on how to write the letter at no cost to you.

Florida law provides protection against abusive debt collection practices under the Florida Consumer Collection Practices Act (“FCCPA”) and federal law provides protection through the Fair Debt Collection Practices Act ("FCRA").

These laws must be followed by any debt collector or creditor that collects debts in Florida. This includes making phone calls from outside Florida to a debtor in Florida. Creditors violating the FCRA/FCCPA may be subject to civil damages of up to $1,000.00 per violation along with other damages.