Does Your Phone Ring Constantly from Debt Collectors?
For many Florida residents, the sound of the phone brings anxiety instead of connection. Calls from debt collectors at all hours, from multiple numbers, or even at work can make it feel like there’s no escape. What most people don’t realize is that this behavior is often illegal.
At Rebecca Goodall Law, P.A., we help consumers across Pasco County stop harassing collection calls and take back their peace of mind. The law protects you from unfair and abusive contact — and in many cases, you may be entitled to financial compensation for what you’ve endured.
When Debt Collection Crosses the Line
There’s a difference between lawful collection activity and harassment. Under both federal and Florida law, debt collectors can contact you to request payment — but they must follow strict rules about when, where, and how often they do it.
The Fair Debt Collection Practices Act (FDCPA) and Florida’s Consumer Collection Practices Act (FCCPA) prohibit collectors from:
- Calling before 8 a.m. or after 9 p.m.
- Calling repeatedly throughout the day to annoy or pressure you
- Contacting you at work after you’ve told them not to
- Using threats, profanity, or false claims of arrest or legal action
- Contacting friends, family, or employers about your debt
- Failing to identify themselves as debt collectors
These laws exist to protect your privacy and mental well-being. If a collector crosses these boundaries, you have the right to stop them — permanently.
How to Stop Harassing Calls Immediately
One of the fastest ways to stop debt collection calls is by sending a formal cease and desist letter. Once a collector receives it, they are legally required to stop calling or contacting you, except to confirm receipt or notify you of specific legal action. Continuing to call after that point violates federal law.
Our Cease and Desist Letter Services are designed for this exact purpose. We prepare and deliver properly worded letters that create a paper trail of the harassment, forcing collectors to stop contact and paving the way for legal remedies if they don’t comply.
In many cases, clients see results within a few days — their phones go quiet, and the pressure ends.
What to Do Before You Send a Cease and Desist Letter
Before we send a notice on your behalf, it’s helpful to document the harassment. Keep a record of:
- Call dates and times
- Phone numbers used
- Collector names or company details
- Voicemail recordings or written messages
- Any threats, false statements, or abusive behavior
This documentation strengthens your case and can support a lawsuit if the collector continues calling after being told to stop.
What Happens If Collectors Don’t Stop
If collectors continue calling after receiving a cease and desist letter, they can be held liable for violating the FDCPA or FCCPA. That means they may owe you damages, plus your attorney’s fees and court costs. These penalties exist to discourage harassment and level the playing field for consumers.
Our Sue Debt Collectors service helps clients take legal action when collectors break the law. In many cases, clients receive compensation without ever going to court, as most debt collection agencies prefer to settle once violations are proven.
Common Signs of Illegal Debt Collection Practices
If you’re not sure whether what you’re experiencing is harassment, watch for these red flags:
- Collectors refuse to identify their company name
- You receive multiple calls per day from different phone numbers
- They call immediately after you hang up
- They demand payment today or threaten lawsuits, arrest, or wage garnishment
- They call you about a debt that isn’t yours or has already been paid
These are all signs that your rights are being violated — and that legal help is needed.
Protecting Yourself from Future Calls
Once the harassment stops, it’s important to make sure the collector doesn’t pass your information to another agency. We work with clients to confirm that all future contact routes are closed and that your credit report reflects accurate, up-to-date information.
Through our Credit Reporting Dispute Services, we help correct any false negative marks that occurred during the collection process. Many times, these same collectors have also illegally reported debts to credit bureaus — something that can and should be reversed.
Real Example from Pasco County
A client in Holiday, FL received more than 40 calls in one week about an old medical bill. The collector left multiple voicemails per day, threatened “immediate legal action,” and called her workplace after being asked not to. We sent a cease and desist letter and filed a complaint under the FDCPA. The agency settled the case and paid damages for harassment and emotional distress. The client’s credit report was also corrected to remove the false entry.
How Rebecca Goodall Law, P.A. Can Help
If you’re overwhelmed by debt collection calls, you don’t have to face them alone. We can:
- Stop harassing phone calls and letters immediately
- File claims for FDCPA or FCCPA violations
- Negotiate debt settlements if appropriate
- Repair credit reporting damage caused by illegal collection activity
Our firm helps clients across Elfers, New Port Richey, Holiday, and Beacon Square take control of their phones and their peace of mind. Whether your debt is valid or disputed, you still have the right to be treated with dignity and respect.
Take Back Your Peace — Starting Today
Every day you wait allows collectors to keep intruding. The law is on your side — and the sooner you act, the faster your phone will finally go quiet. Let us help you end the harassment for good.
Call (813) 438-3695 or schedule a consultation online. We’ll explain your rights, evaluate your situation, and take immediate action to stop the calls. Peace of mind is possible — and it starts with one conversation.
