One of the most powerful defenses Florida consumers have against harassing behavior from creditors is the Florida Consumer Collection Practices Act (“FCCPA”). This state law lists a number of prohibited acts creditors are not allowed to take part in. Florida Statute 559.72 outlines nineteen (19) separate types of act creditors are not allowed to participate in. Many of these prohibited activities are common sense, i.e. your credit card company isn’t allowed to threaten violence if you fail to pay, a collection company can’t call you at 4:00AM in the morning to collect a debt.
While many of the protections are common sense, I’d like to highlight a few of the items that commonly occur that may not immediately jump to your mind. If a creditor participates in any of these, contact us immediately for a free consultation.
The entire list of prohibited acts can be seen here. If any of these laws are violated, make notes of the time they’re violated, who you spoke with and what exactly happened. At Widerman Malek Celebration Law Office we deal with these types of cases and would be happy to represent you in these matters, typically free ofcharge.
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