Most Florida residents have at least one credit card. Credit cards are useful financial tools for shopping online and purchasing items when they may not have sufficient cash available. The responsible use of a credit card can help a person build their credit score, but when a credit card balance grows with no chance of being paid off, an individual can fall into the problematic situation of credit card debt.
When credit card debt grows and goes unpaid, some lenders engage in unscrupulous tactics to solicit payments and scare debtors into settling their claims. This post will introduce readers to some of the rights credit cardholders have, even if they carry balances on their credit cards. However, readers are encouraged to speak with trusted debt relief and bankruptcy lawyers about their options for managing their own credit card debt as this post provides no legal advice.
Limitations on contact from creditors and collections agents
Acquiring credit card debt can become overwhelming, not only from a financial perspective but also from the many communications a debtor may receive from their lender or collection agency. Laws protect credit card holders from certain types of communications regarding credit card debt, including, but not limited to:
- Contact at debtor’s place of employment
- Contact made to certain members of debtor’s family
- Contact made at off-hours (early or late in the day)
- Contact made to debtor if debtor has a lawyer
- Contact made to harass debtor
When these and other wrongful communications happen, debtors have right to stop lenders from harassing them and those that they love.
Getting help with credit card debt
Stopping the hurtful and abusive communications of unscrupulous creditors and lenders is an important step toward dealing with one’s accumulated credit card debt period however, individuals who carry credit card debt often need help making plans to overcome their financial burdens. While bankruptcy may be an option for some, other credit card debt holders may benefit from other debt relief options that they may choose to discuss with legal professionals in the field.