ILLEGAL DEBT COLLECTION TACTICS OR HARASSMENT
If you are behind on any of your bills it is likely that someone is contacting you trying to collect money. Our Firm is experienced in prosecuting lawsuits against companies who violate your important consumer rights associated with debt collection practices. We have experienced attorneys who will speak to you for free to advise you of your rights. We only represent consumers, never the companies who are trying to collect money from you.
Florida has a very comprehensive and powerful law to address illegal debt collection practices. Keep in mind that bill collectors must comply with very strict rules. A single telephone call, letter, or email can trigger a violation of the Florida Consumer Collections Practices Act (FCCPA). The FCCPA allows you to file a lawsuit to address debt collection conduct that may have occurred up to two (2) years ago. You may recover statutory damages, and are not required to suffer actual damages. You are not required to prove actual damages to recover a monetary penalty. Additionally, if you have a case we can typically prosecute a lawsuit for you without any out of pocket attorney’s fees or costs to you.
A key element to the FCCPA is that it applies to not only just “debt collectors” but also to several types of other companies that you potentially deal with on a regular basis. For example, in addition to what is typically referred to as a “debt collector”, the FCCPA also applies to the consumer debt collection activity of:
The FCCPA makes it illegal for any company that is attempting to collect a consumer debt to do things like:
A successful consumer in an FCCPA case may be entitled to a statutory compensation. In addition you may recover any actual damages which have been incurred, including emotional distress, and possibly punitive damages depending on the severity of the debt collection harassment. Additionally, in most instances if you have a case we can prosecute a lawsuit on your behalf without any out of pocket expense to you. This is because the FCCPA requires that the bill collector pay your reasonable attorney’s fees and cost if you win.
If you call our Firm you will speak with a Florida licensed attorney. Feel free to call us at 352-835-7977.