Debt Collector Harassment in Orlando, FL

Debt collector harassment is the intimidation, bullying, abuse, or coercion of consumers into paying off the money they owe. In Orlando, Florida there are two things to consider when thinking about debt collection: harassment and misrepresentation. The presence of either of these things constitutes debt collector harassment and may require you to take legal action against the collector.

Debt Collector Harassment in Orlando, Florida

Both federal and state laws protect Orlando residents from harassment by debt collectors. Although federal laws only cover actions by debt collection agencies, Florida’s state laws can apply to original creditors as well. According to the Florida Attorney General, debt collectors cannot:

  • Call you before 8 am or after 9 pm
  • Call you at work
  • Use profanity or foul language
  • Reveal information about your debt to friends, co-workers, or relatives
  • Make physical or verbal threats of violence against your person, property, or reputation

If you are a victim of any of these examples of harassment, you may have a right to sue the debt collector for violations of the Fair Debt Collection Practices Act (FDCPA). An experienced Orlando attorney can help you identify your options and build a strong case.


Misrepresentations by a debt collector refer to someone making false claims or accusations or using false, deceptive, or misleading practices. This also includes misrepresenting any debt you may have. See some examples of this and other Illegal Debt Collection Practices below:

  • The amount of money you owe
  • False threats saying they will have you arrested
  • Saying they are an attorney if they aren’t one
  • Threats to do something that the debt collector has no intention of doing
  • Threats to take actions that are not within the confines of the law

If you think any Orlando, FL debt collectors may have misrepresented themselves to you, it’s important to remember that you have options. Get in contact with an attorney who understands debt collector law.

Who Are Debt Collectors?

Most people don’t know what a debt collector is until they have one incessantly calling them about paying off debt. So, who are debt collectors? Who do they work for?

Collectors come from a debt collection agency that works with creditors who are owed debts. If you have outstanding debt in Orlando such as credit debt, unpaid loans, and personal loans, your creditor may contact a debt collection agency. This agency then assigns a debt collector to your case.

The Better Business Bureau (BBB) lists more than 30 accredited debt collection agencies in the Orlando area. In addition, there are nearly 600 collection companies without BBB accreditation. Some of the local Orlando agencies include:

  • HF Holdings
  • JNR Adjustment Company
  • Snap Recovery

What Should You Do If You’ve Been Harassed By a Debt Collector In Orlando, Florida?

Step 1: Know Your Rights

If you think Orlando debt collectors are harassing you, then it’s important to become familiar with the Basics of the Fair Debt Collection Practices Act. The FDCPA was passed in 1977 to protect consumers from collection agencies. If a debt collector violates any of the harassment or misrepresentation rules, the victim has a right to sue the collector for violation of the FDCPA.

Step 2: Collect Records

Have you been harassed in Orlando, FL by a debt collector? If so, it’s important to begin to gather evidence.

The Consumer Financial Protection Bureau suggests that Orlando residents document all interactions with debt collectors. Make a record of calls, noting the date, time, name of caller, what was said, and how you were treated. In addition, be sure to keep copies of any written communication. If you mail any letters, it’s a good idea to send them by certified mail, so you have proof that they were received.

Step 3: Remain Calm and Act Deliberately

When you’re being abused or harassed by a bullish Orlando debt collector, it’s easy to get angry and act impulsively. Unfortunately, this can cause you to say or do something detrimental to your case. Instead, try to remain calm and make all your actions deliberate and well-thought-out. Not only will this be better for keeping your stress levels low, but it will prove helpful if you go to court. You can show that you were respectful and calm while the debt collector was the one using abusive language.

Step 4: Ask for Debt Verification

If you’re constantly getting phone calls from Orlando, FL debt collectors harassing you about what you owe, you need to ask for debt verification. Not only will this show whether or not they are misrepresenting your debt, but the debt collector must also stop contacting you until they provide the information you requested. Debt verification should show the amount of debt you owe and the name of the creditor. You have 30 days to dispute the validity of the debt. If you don’t dispute the debt, the creditor will assume the debt is valid.

Step 5: Contact an Attorney

If you’re the victim of debt collector harassment, it’s time to stand up and fight back. You deserve to live a life free from abusive and repetitive phone calls. Orlando attorneys who understand What to Expect When Suing for Debt Collection Harassment, and local debt collection laws, can help you make this possible. If the debt collector threatens to or does take legal action regarding your outstanding debts, working with an attorney becomes even more important.

Step 6: Present Your Case

By hiring an experienced Orlando, FL debt collector attorney, you have a better chance of winning the lawsuit and getting financial compensation for abuses such as phone harassment.

You may have a choice about to file your lawsuit in state or federal court. An Orlando attorney can advise you about the best jurisdiction for your case. Possibilities include the U.S. District Court for the Middle District of Florida or the Orange County Circuit Court.

It is important not to wait, however, because you only have one year to begin your lawsuit. You can sue for any economic damages that you suffered, as well as attorney fees and court costs. In addition, you may also be entitled to up to $1,000 in statutory relief.

Work With an Experienced Orlando, Florida Debt Collector Harassment Lawyer

If you’ve experienced debt collector harassment in Orlando, FL it’s time to put an end to it so you can move forward with life. There are laws in place to protect consumers from debt collectors. Legal assistance can help you to navigate these complex laws and defend yourself in court, if necessary.

Are you ready to find a debt collector attorney near you so you can finally fight back against the harassment? We can even help you connect with an attorney across Florida state lines.

Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!

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