Practical guides on FCRA, FDCPA, and TCPA rights under Florida consumer protection law.
22 articles
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.
Someone opened an account in your name and it is now on your credit report. Federal law gives the credit bureaus four business days to block it once you send the right documents, and failing to do so can entitle you to damages.
Companies that text your cell phone without permission can owe you money for every message. This guide explains when a spam text is illegal under the TCPA and Florida's telemarketing law, what a claim is worth, and how to protect it.
Lost a job in Florida over a background check that reported the wrong record or an old, dismissed case? Under the FCRA, screening companies must report accurately, and you can dispute errors and sue for damages and attorney's fees. Here is how.
A cease and desist letter tells a debt collector to stop contacting you, and federal law requires it. Here is what to put in the letter, how to send it so you can prove it, and what to do in Florida when the calls do not stop.
Found a collection account on your credit report that is not yours, already paid, or just wrong? Under the FCRA, an inaccurate collection the bureaus refuse to fix after a proper dispute can be a violation with real money damages. Here is how to act.
A debt collector cannot have you arrested or jailed for a consumer debt in Florida. Learn why the threat is illegal under the FDCPA and FCCPA, what damages you can recover, and the steps to take if it happened to you.
Debt collectors in Florida can text you, but federal and state law set firm limits. Here is when a collection text becomes an illegal FDCPA, TCPA, or FCCPA violation, how to spot it, and the damages you may be able to recover.
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