Leavengood, Dauval & Boyle, P.A. Articles The Florida Consumer Collection Practices Act

The Florida Consumer Collection Practices Act

By Leavengood, Dauval & Boyle, P.A.  Mar. 26, 2013 11:45a

The Florida Consumer Collection Practices Act (FCCPA) protects Florida consumers against certain abuses by those creditors or collection agencies attempting to collect on a debt. This state law supplements the federal law, the Fair Debt Collection Practices Act, which provides federal protections as well. Abusive and deceptive practices which are prohibited on the part of debt collectors include such actions as pretending to be a law enforcement officer or a government agency representative, using or threatening to use force or violence, communicating with or threatening to communicate with a debtor's employer prior to obtaining a final judgment, using profane, obscene, vulgar or abusive language, communicating with such frequency as to constitute harassment, threatening to enforce a debt which is not legitimate or calling the debtor between 9 p.m. and 8 a.m. without that debtor's prior consent.

Under the FCCPA, a consumer may take legal action against any debt collector who violates any of the provisions of the law. Through such legal action, the consumer may be able to collect up to $1,000 in damages as well as attorneys fees and court costs. Debt collectors operating in the state must register with the State of Florida; those who fail to do so may be subject to fines of up to $10,000.

Legal Representation in Bankruptcy and Credit Harassment in Tampa Bay

Those who believe they have been subjected to illegal creditor harassment should consult with a qualified attorney. The law firm of Leavengood, Dauval & Boyle, P.A. provides seasoned legal representation in such matters as well as in bankruptcy, foreclosure, and loan modification in the greater Tampa Bay area. The firm has been in operation for three generations and provides the services of a Board-Certified attorney.

By meeting with a competent lawyer, you can learn more about your legal rights and your options in regards to your current financial situation. Getting proper and accurate information is vital in cases where you are under siege by creditors, facing the potential loss of your home, or struggling to make ends meet after a job loss, personal injury, illness, or costly divorce. Get the help you need by contacting the firm for a free case consultation.

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