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Miami is not immune to the growing credit card debt of other Americans. As long as an individual’s cash flow is sufficient and his/her debt management skills are first-rate, this increasing indebtedness may not pose a problem. However, if cash flow falters, consistent monthly income decreases or people become overwhelmed with credit card debt, collectors will become involved.

Since these loans are unsecured, having no collateral, it is understandable that debt collection activities will be aggressive. Unfortunately, some collectors fall into the “too aggressive” category. They can make your daily life miserable, possibly stretching collection law to its limits–sometimes beyond acceptable limits.

While delinquent credit card debt will always attract collectors, some are no longer agents of the card issuer. They sometimes buy your account from the credit card company, meaning you now owe them your debt. Hearing from collectors becomes an even less welcome experience if they own your account.

A recent Los Angeles Times report indicates debt collection actions are growing in aggression. Some collectors are even issuing arrest threats or harassing family or neighbors regarding your debt. California lawmakers are taking action. State attorneys are even suing over aggressive collection companies for illegal actions, e.g., creating false affidavits to coerce card holders to pay up.

You can also help yourself. Learn your rights granted by the Fair Debt Collection Practices Act. Collectors must cease constantly calling once you ask them to stop. They cannot issue threats as part of collection efforts. Even hinting that you committed a crime is prohibited. Should they not cease harassment, report them to the Federal Trade Commission or the Florida Attorney General’s office.

Have you had the misfortune of dealing with an overly aggressive collector? Do you know anyone who has had this unpleasant experience? Have you ever reported unfair collection actions to the Federal Trade Commission or your state’s Attorney General?

Source: Go Banking Rates, “Is Your Credit Card Debt Attracting Aggressive Collectors?” Stacey Bumpus, Aug. 20, 2012

Many do not know how to deal with creditor harassment. Our firm provides counsel in these types of matters. Please visit our Miami collections page to learn more about us.