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Fair Debt Collection Practices Act

The Florida Consumer Collection Practices Act (FCCPA) and the Fair Debt Collection Practices Act (FDCPA) are consumer protection laws that prohibit a debt collector from engaging abusive conduct or harassment when attempting to collect a consumer debt.
We assist people who are being harassed by debt and bill collectors.  Debt collectors are prohibited from using abusive, unfair or deceptive practices to collect a consumer debt. If you believe that you have been subjected to abusive or harassing debt collection practices, you may be entitled to compensation.
If you believe that you have been subjected to abusive or harassing debt collection practices, contact us for a free consultation.

The law prohibits debt collectors from:

  • Using threats or violence
  • Using obscene or profane language
  • Making repeated calls in an effort to annoy or harass
  • Falsely claiming to be attorneys or government officials
  • Misrepresenting the amount owed
  • Misrepresenting fees and costs associated with the collection of the debt
  • Threatening to have you or your family arrested
  • Threatening to seize your property or wages unless permitted by law
  •  Threatening to take legal action when it would be illegal
  • Leaving a voice mail message not revealing that the caller is a debt collector

You have the right to sue in state or federal court within a year of the date that you were abused by a debt collector. You will need to produce documents, voice mail recordings, and provide evidence that the debt collector violated the law. The debt collector may be required to pay you for damages, such as lost wages and medical bills, as well as your attorney’s fees and costs.
Contact us for a free consultation at (904) 632-2424 or (888) 244-5557.


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About The Author

Picture of Leslie A. Goller

Leslie A. Goller

Leslie has dedicated her career to championing consumers – whether they were harmed by big corporations, dangerous products, medical mistakes, accidents, or an unsafe environment – no issue is too big for her to tackle. She successfully prevented an incinerator from being built at University Hospital (now UF-Jacksonville), which would have polluted the air with toxic chemicals and obtained significant restrictions of other Jacksonville hospital incinerators resulting in cleaner air.