Most people react quickly to bullying or harassment in their workplace, school, or social circles. However, not enough consumers understand their right to appropriately respond to debt collection harassment.
A knowledgeable debt collection attorney can help you deal with illegal conduct by HF Holdings, Inc. that disrupts your everyday life and threatens your credit score. We can help you stop their bullying and harassment so you can take care of your finances and move on with your life.
What Is HF Holdings, Inc.?
HF Holdings, Inc. is a full-service debt collection agency. Based in Orlando, Florida, the company collects debts on behalf of utility companies, government agencies, healthcare providers, educational institutions, and small businesses. HF Holdings also offers international collections, skip-tracing, and check recovery solutions.
What Are Consumers Saying About HF Holdings Inc.?
HF Holdings, Inc. has been accredited with the Better Business Bureau since 2019 and has an A- rating by the BBB. The debt collection company also has a 2.2 out of 5-star rating resulting from an average of five customer reviews, two of which are from clients for whom HF Holding works.
There are also several complaints on HF Holdings’ BBB profile, most of which are from consumers who dispute their debts’ validity. In addition, some consumers claim that HF Holding representatives have used aggressive language against them in their calls.
What Type of Conduct Are Debt Collection Agencies Prohibited From Using?
There are several laws in place that protect consumers from unfair debt collection practices. The Fair Debt Collection Practices Act (FDCPA) is an important piece of federal legislation that bars collection agencies from using deceptive and abusive methods when collecting a debt.
This law applies to personal, family, and household debts, such as credit card bills, medical expenses, and mortgages. The FDCPA covers third-party debt collectors, not creditors who collect their debts.
Under the FDCPA, debt collectors are prohibited from engaging in several activities, including:
- Calling consumers before 8:00 a.m. or after 9:00 p.m.
- Threatening violence or harm against the consumer
- Using obscene or profane language
- Using repeated or continuous calls, letters, or text messages with the intent to annoy or harass the consumer
Debt collectors who violate the FDCPA may be liable for damages, including statutory damages of up to $1,000 per lawsuit.
How Can HF Holdings, Inc. Harassment Affect Your Life?
From the complaints against HF Holdings, consumers primarily relay cases of aggressive language and debts mistakenly attributed to them. When a debt collector repeatedly calls a consumer and resorts to foul and berating language to try to achieve their goal, there are concrete consequences on the consumer’s life.
If you experience badgering about a debt, whether the debt belongs to you or is a clerical error, you can inadvertently take the resulting frustration out on the people around you. As a result, your relationships and productivity can suffer as you try to cope with the anxiety.
If HF Holdings, Inc. mistakenly contacts you about a debt you do not owe, the agency may pass it on to credit bureaus as a bad account. This action can affect your credit score, damaging your creditworthiness and employability for as long as seven years.
How a Consumer Protection Attorney Can Help You Fight Back
Debt collection harassment is a serious problem and can affect your mental and physical health. An experienced attorney can help you end the harassment and hold the debt collectors accountable for their actions.
- An attorney can help you understand your rights under the law. The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive and harassing debt collection practices. If the debt collectors violate the FDCPA, an attorney can help you take legal action.
- An attorney can help you negotiate with debt collectors. If you agree to a repayment plan, an attorney can draft a legally binding contract that protects your rights and interests.
- An attorney can represent you in court if necessary. If the debt collectors sue you, an attorney can represent you in court and fight for your interests.
If debt collectors are harassing you, contact an experienced attorney at Agruss Law for help. Our experienced attorneys can end the harassment and give you the breathing room you need to get out of debt.
Stop Harassment From HF Holdings, Inc.
Ignoring a debt can cause more serious issues, even if you dispute that the debt is yours. Debt collectors like HF Holdings will continue to contact you, and the situation may escalate to legal action against you. Getting a consumer protection attorney can halt harassment early so you can calmly seek a solution.
Mike Agruss Law can offer the legal support you need to combat debt collection harassment. Contact our law firm today for a free and confidential no-obligation consultation where you can share the details of your case.
