They ignore your request to stop calling. Then the calls turn into outright harassment. At this point, the debt collector crosses the line and sometimes violates the law.
What can you do?
In Florida, consumers are protected under state and federal law against this and other kinds of harassment. These laws afford consumers protection against unfair or deceptive collection practices, abusive conduct, such as calling late at night or before 8am, using foul language or making certain kinds of threats.
State and federal law also protects consumers from compromising their privacy by debt collectors exposing information about a debt exposed to other people. An important feature of federal consumer protection law gives consumers a method to dispute the debt that the debt collector cannot ignore. It also gives the consumer a right to stop debt collection calls.
If debt collectors are hounding you, here are some steps you can take to protect yourself.