Legal Question in Credit and Debt Law in Florida
I live in the state of Florida. A debt collection agency called me didn't verify who they were nor did they read me my rights (mini miranda) informed third party (my daughter) that I owed a debt before my daughter passed me the phone. They didn't inform me that call was being recorded (and all licensed agencies do record calls). I asked for an OVD (oral validation of the debt) she proceeded to tell me the debt is not negotiable. I asked the collector to stop being rude. She hung up the phone in my face. I have every intent to pay the debt but I want to know why it is owed because I pay for tolls through a prepaid pass every month. I have two cars in my name, one in which belongs to my son. Their telephone number was blocked on my phone. The agency's name implies that they may be a Law Enforcement agency. What legal action can I take against the agency? Will it be different because it isn't a credit card based debt collection agency?
3 Answers from Attorneys
You probably have enough to entice a lawyer to sue this agency for violation of state and federal law. I have no idea what a credit card based debt collection agency is.
Sounds like a scam. Be care of who you are dealing with on the phone. they are just looking for money.
Go to my web site for information on credit card law and what to do. www.ConsumerLawyerHelp.com There has been a lot of scam callers from out of the country. Unless you you pin the phone number, address, and company down, these are very hard cases since it is very difficult to locate these people. Request your credit report to see who this may be. See my web site for this.
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