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Dealing with unlawful debt collection

There are many people across the country, including in the Tampa area that have some kind of debt. At Timothy J. Sierra, Attorney at Law, we work with people who are in debt every day so we understand the many difficulties that you can face when you are in this kind of situation.

One of the most difficult things about being in debt is dealing with debt collectors. Debt collectors can be relentless in their efforts to collect on the money you owe your creditors. Although debt collectors do have a right to do their job, there are certain things that can cross the line. In fact, sometimes, debt collectors utilize unlawful practices in their efforts to track you down and get you to pay.

We understand that many people might not recognize the difference between what is lawful and what is not when it comes to debt collection practices. According to the Consumer Financial Protection Bureau, the Fair Debt Collection Practices Act “prohibits debt collection companies from using abusive, unfair or deceptive practices to collect past due debts from you.”

One thing to keep in mind is that in general debt collectors are not allowed to contact you in out-of-the-ordinary times or places. For example if you are not allowed to take calls at work, then the debt collector is not allowed to call you there. Meantime, if you have hired an attorney to represent you and the debt collector is aware of that, then he or she must contact your attorney instead of you.

If you would like to learn more about debt collection, then please visit our unlawful debt collection page.

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  • "When I first came to the decision to file for bankruptcy, I had no idea where to start. I began researching attorneys on the internet and came across the information for Tim Sierra. Since he specialized in bankruptcy and had a lot of experience......"
  • The process of going through bankruptcy could be very overwhelming but Tim made me feel at ease and I felt that my needs were being taken care of. I truly feel that he had my best interests in mind and the lines of communication were always open....
  • "I had to file a Chapter 7 bankruptcy. I didn't know anyone who could refer someone so I took a chance and just looked on the Internet. I don't remember exactly why I chose Mr. Sierra, but I am glad I did..."
  • He was honest, straightforward, and hard-working. In my case I ended up with some extenuating circumstances and he handled the matter professionally even though I'm sure the work probably exceeded what he originally felt it would be....
  • I don't ever write reviews, and I had no prior relationship with Mr. Sierra. This review is simply being written as a service to others that Mr. Sierra is an excellent attorney and should be considered for your needs if you need one....
  • "I'm very happy to have been referred to Tim for my Chapter 7 filing. He was knowledgeable in his field and very responsive in replying to any questions or concerns I had. Tim was also very accommodating with meeting times..."
  • " I recently was in need of Mr. Sierra's services and I found him to be very understanding and helpful in my particular circumstance. He met with me and explained everything in full detail and also answered every question that I had....."
  • " I recommend Timothy Sierra a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy."
  • " Bankruptcy is a private and personally devastating life event. Timothy Sierra and his assistant, Nancy, made the process as painless as possible. They kept in close contact via phone and email so I always knew what was happening in my case...."
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Riverview, FL 33578

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Brandon, FL 33510

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Toll Free: 877-492-7449
Phone: 813-463-2256
Phone: 813-463-2256
Fax: 813-258-4746
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