You may become a victim of harassment after being unable to clear the debt related to auto-loan, credit-card payments, student loan, medical bills or mortgage payments. In this scenario, the law permits a creditor or a debt recovery agency to contact you until settling the debt or until making an arrangement with the creditor to settle the debt. However, a creditor cannot harass you or your family members to collect the unpaid sum of money. The Federal law provides protection to the consumers against all types of bill collector harassment in Miami or in any other city through FDCPA (Fair Debt Collection Practices Act). It was designed to prevent any type of abusive or annoying behavior of the creditors towards the debtors. However, the creditors or bill collection agencies are known to use various deceptive measures in order to recover the unpaid sum from the debtors.

For example, many debt collection agencies or creditors are known to pretend to work for the government agencies in order to intimidate the debtors. This type of action is considered to be unlawful and an act of harassment. A creditor or debt recovery agency cannot intimidate a debtor with threats of arrest. This type of action is considered to be harassment and you may contact a debt defense lawyer if you become the victim of this type of bill collector harassment in Miami. A creditor or a bill/debt-collection agency is forbidden from contacting a debtor once he/she retains a lawyer's service. An attorney will communicate with the debt-recovery agency or creditor in this scenario. Therefore, you can focus on other important tasks or duties after retaining a debt-defense lawyer's service.

These lawyers specialize in making repayment plan for the debtors and makes sure that no FDCPA guideline is being violated in order to settle the debt. Therefore, a lawyer can protect you from the bill collector harassment in Miami. A lawyer knows which actions are regarded as acts of harassment. For example, a debt collector may threaten to have you arrested if you fail to settle the debt. A debt-collector has no authority to make this type of false claim. However, you may fail to recognize the deception and may become intimidated by the threat.