To stop creditors from harassing you in Florida there are a couple of things you can do. Number one, you can hire an attorney and that attorney can send a letter of representation to the creditor informing them that you have hired them. Once that's done, under Florida law, the creditor is not supposed to contact you. If they do you can turn the tables on the creditor and sue the creditor. You can also file bankruptcy. When you file bankruptcy and automatic stay goes into effect that prevents the creditors or prohibits them from contacting you. Again, if they violate that stay you can sue the creditor.