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Life happens and things do not always go as planned, which means that anyone can get behind on their bills. A person may sign papers on a loan with full confidence that he or she can pay the loan back. Unfortunately, an accident, loss of a job or any other unexpected stumbling block can delay the best-laid plans. In Florida and other states, debt collectors can make a person feel that he or she is about to be dragged off to prison if one doesn’t pay up immediately. However, there is a way for a person to stop creditor harassment and get back some peace of mind.

While many consumers are unaware of this, the Fair Debt Collection Practices Act protects a person from being harassed by a creditor. This law forbids a creditor from threatening the debtor with violence, from using profanity and from calling at all hours of the day and night. This applies to all kinds of personal loans, medical bills, credit card bills, mortgages and more. If a consumer files bankruptcy on a debt, the creditor is not allowed to contact him or her any further, pending the further order of the court.

Another fact that consumers may be unaware of is that there are many scammers who prey on those who already have creditors on their backs. Some of these fraudsters will pretend to be creditors and attempt to collect money from the debtor. Other scam artists will claim that their company can help get the consumer out of debt. Instead, they charge the person a lot of money but never deliver as promised.

If a person is a victim of creditor harassment, he or she has every right to call an attorney who can stop the nightmare. A bankruptcy lawyer can help stop a foreclosure, deal with creditors and can even help the consumer work out a payment plan that he or she can afford. Creditor harassment is a real issue in Florida but can be put to a stop with the help of a knowledgeable attorney.

Source: CNBC, “How to get a debt collector off your back“, Jessica Dickler, Katie Young, April 18, 2017