Debt Collection Attorney Weston

If you live in the Weston area and are getting harassed by a third-party debt collector or the original creditor, the Arcia Law Office can explain what your rights are under federal law and help you with foreclosure assistance and mortgage forbearance. It’s one thing for a creditor to call you about a late or missed payment, but some bill collectors can be ruthless and even break the law when trying to collect on a debt. Fortunately, a debt collection lawyer in Weston can ensure that your rights are protected and that the harassment will stop.

When it comes to debt collection practices, there are certain laws in place to protect you from illegal activities in this area. It’s important for you to learn the rights to which you are entitled. For example, the Fair Debt Collection Practices Act, or FDCPA as it is more commonly called prohibits any harassment on the part of your creditors or any 3rd party who is attempting to collect a debt from you. Furthermore, they cannot make any fraudulent statements or threaten you when trying to collect a debt from you.

How We Can Help

Many individuals who are struggling with debt often turn to the Arcia Law Office for help from a debt harassment lawyer in Weston. Arcia Law Office can also help you with forbearance assistance and loan modification assistance. As your legal team, there is a lot we can do in order to stop the harassment and relieve your stress. More importantly, we can ensure that the rights your entitled to as a debtor and under the FDCPA are protected. When a Weston debt defense lawyer from our firm is handling your case, he or she will ensure that the following forms of harassment cease:

• calls at your job despite your many requests for them to stop calling you there
• calls before 8 am and after 9 pm
• calls continuing after you’ve informed them that you’ve hired us to represent you
• refusals to identify themselves when calling you
• repeated calls to annoy or harass you
• the use of obscene or profane language when talking to you on the phone
• threats of harm or violence against you
• threats of having you arrested for not paying your debt
• threats of property seizures and wage garnishments
• threats of putting your name as a delinquent debtor on a publicly published list

It’s important to understand your rights when you are being harassed for payment of a debt. Debt collection agencies are either paid a commission by a creditor to collect what you owe or purchase the debt at a discounted rate (usually pennies on the dollar) and then attempt to collect from you. However, they will try to collect the full amount of the debt despite having purchased it from the creditor at a deeply discounted rate.

The FDCPA prohibits Misrepresentation

The FDCPA contains strict guarantees that pertain to nearly every 3rd party bill collector and debt collection agency in the US. According to the law, they are not allowed to:

In addition to the above prohibitions, the FDCPA also prohibits collection agencies from misrepresenting themselves in any way including:

• claiming that they are a debt collection attorney or debt collection lawyer in Weston
• communicating false consumer credit information about you
• falsely representing the amount, character, or status of the debt
• posing as an employee of a collection agency
• threatening to take legal action against you

Generally speaking, violations of the FDCPA will be based on “strict liability”, meaning that you are not required to prove that the actions taken against you were intentional or known. For more information or to schedule an appointment with a debt harassment lawyer or for short sales assistance in Weston, contact the Arcia Law Office today for.