Best Debt & Collection Lawyers in Fort Lauderdale

About Debt & Collection Law in Fort Lauderdale, United States:

Debt & Collection law in Fort Lauderdale pertains to the collection of money owed by individuals or businesses to creditors. This area of law governs how creditors can pursue unpaid debts, what rights debtors have, and the legal processes involved in debt collection.

Why You May Need a Lawyer:

You may need a lawyer for Debt & Collection issues in Fort Lauderdale if you are facing harassment from debt collectors, have been sued for a debt, are dealing with inaccurate information on your credit report, or need assistance negotiating a settlement with a creditor.

Local Laws Overview:

In Fort Lauderdale, debt collectors must abide by the Fair Debt Collection Practices Act (FDCPA), which prohibits practices such as harassment, false statements, and unfair practices. Florida also has its own laws governing debt collection, including the Florida Consumer Collection Practices Act (FCCPA).

Frequently Asked Questions:

1. Can a debt collector contact me at work?

Yes, but if your employer does not allow it or if you inform the debt collector that you cannot receive calls at work, they must stop contacting you there.

2. Can I be sued for unpaid debts in Fort Lauderdale?

Yes, creditors can take legal action to recover unpaid debts, which may result in a judgment against you.

3. How can I stop debt collectors from harassing me?

You can send a cease and desist letter to the debt collector requesting that they stop contacting you. If they continue to harass you, you can file a complaint with the Consumer Financial Protection Bureau.

4. Can a debt collector garnish my wages?

Yes, in Florida, a creditor can garnish up to 25% of your disposable earnings to satisfy a judgment for unpaid debts.

5. How long does a debt stay on my credit report?

Most debts can stay on your credit report for up to seven years, but some may stay longer depending on the type of debt.

6. What are my rights under the Fair Debt Collection Practices Act?

Your rights include the right to request validation of the debt, the right to dispute the debt, and the right to sue a debt collector for violations of the FDCPA.

7. Can I negotiate a debt settlement on my own?

Yes, you can negotiate a settlement with a creditor on your own, but it may be beneficial to seek legal advice to ensure you are getting the best possible outcome.

8. Can I file for bankruptcy to eliminate debt?

Yes, bankruptcy is an option to eliminate or reorganize debt, but it is important to consult with a bankruptcy attorney to understand the implications and determine if it is the best solution for your situation.

9. What is the statute of limitations for collecting a debt in Florida?

In Florida, the statute of limitations for most debts is five years, meaning creditors have five years from the date of default to file a lawsuit to collect the debt.

10. How can I rebuild my credit after dealing with debt issues?

You can rebuild your credit by making timely payments on any current debts, keeping credit card balances low, and monitoring your credit report for accuracy.

Additional Resources:

For more information on Debt & Collection law in Fort Lauderdale, you can contact the Florida Bar Association or the Legal Aid Service of Broward County. Additionally, the Consumer Financial Protection Bureau offers resources on dealing with debt collectors and understanding your rights.

Next Steps:

If you are facing debt collection issues in Fort Lauderdale and need legal assistance, it is recommended to consult with a knowledgeable Debt & Collection attorney who can advise you on your rights and options. You can search for attorneys specializing in Debt & Collection law in Fort Lauderdale and schedule a consultation to discuss your specific situation.