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.

Other Recent Articles

Even Florida Representatives are Feeling the Stress of Personal Debts

As Americans continue to struggle with underwater mortgages, high credit card balances, student loans and other personal debt, it is become more and more clear that no one is exempt from these ...
More Articles »

Florida Continues Highest Foreclosure Rate Trend

Florida had the highest foreclosure rate in the U.S. according to a recent report. Information compiled from CoreLogic shows that the state had the highest number of foreclosures, totaling over ...
More Articles »

Chapter 13: An Overview

If you, like millions of Americans, have found yourself struggling financially during the last few years, you are not alone!
More Articles »
(800) 526-1949
3900 First Street North Suite #100
St. Petersburg, FL 33703

Fax:
(727) 327-3305

Office Hours:
Mon-Fri 8 AM -6 PM

Main Website:
View Website
Contact our office by email or phone instantly by clicking the options below: