Florida Fair Debt Collection Practices Act
The FDCPA has three main provisions to protect debtors. The law’s protections are misrepresentation, harassment, and debt collectors contacting third parties.
- Misrepresentation. Debt collectors cannot misrepresent what you owe by adding interest, fines, or penalties to the original debt amount or misrepresent who they are, debt collectors. For example, they are misrepresenting themselves if they pretend to be lawyers or law enforcement officers instead of debt collectors.
- Harassment and Unfair Practices. Debt collectors cannot harass you when trying to collect on the debt. This includes making threats, using obscene language, or failing to treat you with courtesy and respect.
- Debt collectors contacting third parties. Debt collectors cannot contact third parties to discuss your debt. This includes contacting family members, friends, employers, co-workers or anyone else.
Debt collectors that break the law can be liable for up to $1,000, plus your actual damages – and that money could go to you. They can also be required to pay your attorneys’ fees and court costs.
If you are a victim of unfair debt collection practices in Florida, it’s time to fight back with the attorneys at Florida Debt Fighters. We know how to use the law to make your case, and we’ll fight to stop bill collectors from harassing you – once and for all.