Practical guides on FCRA, FDCPA, and TCPA rights under Florida consumer protection law.
29 articles
Your phone holds the evidence in a robocall, spam text or debt collector case. Here is how to screenshot texts, save voicemails as audio files, capture call history on iPhone and Android, and send it all to your lawyer.
A section-by-section guide to reading your credit report: what each part means, what an error looks like, how to dispute it, and what the FCRA lets you do when the bureau will not fix it.
A Chapter 7 bankruptcy stays on your credit report for 10 years and a Chapter 13 for 7, counted from the filing date. Learn what the FCRA says, when an entry is wrong, and how to dispute it.
AnnualCreditReport.com is the official site for the free credit reports federal law guarantees. Here is how to use it safely, which errors to look for, and what the FCRA lets you do when a bureau will not fix one.
A debt collection lawsuit in Florida can often be dismissed through the statute of limitations, debt validation, or procedural defenses, and the collector's own conduct may give you a claim of your own.
Someone gave your name to police, and now a background check shows an arrest you never had. Learn how criminal identity theft happens in Florida, why clearing the court record does not fix the background check, and the FCRA claim that does.
Someone used your identity to get medical care. Here is how it happens, how to spot it, and the FCRA, FDCPA and HIPAA rights that let you block the fraudulent account and hold a collector accountable in Florida.
A hard inquiry sits on your credit report for up to two years and costs fewer than five points. If you never applied, the points are not the problem: an unauthorized credit pull violates the FCRA and you can sue over it.
Debt collectors can email you, but Regulation F sets hard limits: an opt-out in every message, no emails to an employer-provided address, and no misleading subject lines. Here is how to tell when a collection email breaks the law in Florida.
A data breach exposes your personal data to strangers, and what happens next matters more than the notice itself. This guide explains what a breach is and what Florida law lets you do if it leads to fraud, robocalls, or collector harassment.
Blocking is only half the fix for robocalls. This guide covers the fastest ways to cut the calls, then explains when a robocall is illegal under the TCPA and Florida law, what you can recover, and how to document one so it becomes a claim.
Zombie debt is an old, charged-off account sold to a new collector. Florida and federal law limit what that collector can say and do, and one wrong move can revive a debt that should stay dead. Here is what to know before you respond.
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