When someone is calling you or sending you collection letters for non-payment and you live in Florida, including Trinity, FL, you are potentially protected by two debt collections laws. Elkin-Peck PLLC services the Trinty, FL area. The first is the Federal Fair Debt Collection Practices Act (FDCPA). The second is the Florida Consumer Collection Practices Act (FCCPA). The FDCPA applies to debt collectors. A debt collector is considered either a company who is attempting to collect someone else’s debt or a company who has actually bought your debt after the debt is in default. The Florida debt collection law, the FCCPA, applies to not only debt collectors a/k/a collection agencies, but also to any other person or entity, including your actual creditor, who is attempting to collect a consumer debt from you. This is good news for you if you live in Florida.
The FCCPA debt collection harassment law governs the debt collection conduct of people like credit card companies, auto finance companies, doctor’s offices, dentists, hospitals, but-here-pay-here car lots, cable companies, mortgage lenders, and apartment complexes, in addition to debt collectors a/k/a collection agencies. Essentially you get more protection under the Florida law as it relates to who must comply with debt collection law. If you feel like someone, not just a debt collector, is harassing you about a consumer debt or that you feel they are committing debt collection harassment, please call Elkin-Peck PLLC servicing Trinity and you will speak with an attorney for free to see if you have a case under either the FDCPA or the FCCPA.
You do not have to be the victim of debt collection harassment. If you are receiving harassing phone calls or if you are receiving collection letters contact one of the attorneys at Elkin-Peck PLLC servicing Trinity. Even if it is just to ask a question or two about debt collection laws we will take your call. There is never any charge for a consultation. We at Elkin-Peck PLLC service Trinity and take great pride in being able to inform people on what debt collection laws may protect them. Knowledge is power. Even if you owe money we believe you should still be treated with respect and only contacted within the bounds of applicable debt collection harassment laws.
In addition to servicing Trinity, FL, Elkin-Peck, PLLC also services the entire Tampa Bay Area.