What Are Tampa Consumer Rights in Credit Repair?

Making bad financial decisions is one thing, but dealing with constant harassment when you attempt credit repair in the Tampa Bay area is another.  Creditors are ruthless and frankly, many collectors use tactics that are threatening.  If you are being hounded by late night phone calls at home and hourly calls at your job, then you need to know that there is protection for you under the law.

The Fair Debt Collection Practices Act (FDCPA) put the brakes on collectors who invade your life. Just because you are late paying debts does not mean that you deserve to be stalked by a collector waiting by your car at the parking garage on Harbour  Island. And how embarrassing would it be to find out that a guy posing as your old college buddy was asking your South Tampa neighbors questions about you? Those tactics forbidden by the FDCPA have nothing to do with credit repair Tampa or any other city and responsible collection agencies know this.

Under the FDCPA, a debtor has the right to tell a collector to stop calling, emailing or sending letters to the work place.  Unemployment is high enough in Tampa, so you can’t afford to lose the job you have while working on credit repair.   If the collector does call your office, he cannot give the reason for the call or identify himself as with a collection agency. When any inappropriate behavior occurs at your work place, you need to make a formal written request sent to the collection agency to tell them to cease efforts to contact you at work.  Once that “cease and desist” letter arrives, the collector is legally bound to stop. Of course you want to send that letter “certified with return receipt”. A few extra bucks on postage could save your job while you are working on credit repair in Tampa.

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