FDCPA & Evidence
If debt collectors call you should being to gather evidence from the first call or communication to keep track of the unethical and/or illegal actions by the debt collector including
- letters and post cards
- voice mails
- caller ID records (if necessary, take a photo of the caller ID screen)
- handwritten records, including such information as:
- the date and time of the call
- the number they called (home, work, cell)
- the number the debt collector is calling from
- the attitude of the caller, including any use of profane or foul language
- their name and the name of the company
- on whose behalf are they calling
- their address and telephone number, as told to you by the caller
- the nature of the debt supposedly owed, including the amount
- what penalties you face if you don't pay
- any fees owned
- is the caller an attorney or pretending to be one or quoting the law
- what will they do if you don't agree to pay what they are demanding
- whether the caller is calling on behalf of a consumer credit reporting agency
- ask them how many times the caller's company has called you in the past on the same matter
- written correspondence (keep copies including the envelopes and postcards)
- evidence from other persons a debt collector may have called like friends, relatives, neighbors, co-workers.
If you need to stop a debt collection, contact a Florida Debt Collection Lawyer at our firm to discuss your options.