Practical guides on FCRA, FDCPA, and TCPA rights under Florida consumer protection law.
22 articles
In most cases it is illegal for a debt collector to discuss your debt with your family. Learn the FDCPA and Florida FCCPA rules, how to spot a violation, and what you can recover.
Can a debt collector call you at work in Florida? Sometimes, but federal and state law set strict limits. Here is when workplace collection calls become an illegal FDCPA or FCCPA violation, what you can recover, and how to make the calls stop.
A debt collector threatening to garnish your wages in Florida may be making an empty and illegal threat. Here is when a garnishment threat violates the FDCPA and Florida law, why so many are bluffs, and what you can recover.
Florida's FCCPA protects consumers from abusive debt collection. Unlike the federal FDCPA, it can reach original creditors, not just third-party collectors, with statutory damages up to $1,000 plus attorney fees.
Florida limits how long a creditor can sue you on an unpaid debt. Once that window closes, the debt is time-barred — still owed, but no longer enforceable in court. Learn the time limits, the "reset the clock" trap, and your rights under the FDCPA and FCCPA.
Most people try to fix credit report errors themselves — and most of the time, the dispute process fails them. The Fair Credit Reporting Act gives Florida consumers the right to take legal action when bureaus and furnishers refuse to correct inaccurate information. Here is how that works, who qualifies, and what an FCRA attorney actually does.
A debt validation letter forces collectors to prove you owe a debt before they can continue collection. Learn what it is, how to write one, what happens next, and get a free template you can send today under FDCPA protection.
Are debt collectors breaking the law? This complete FDCPA violations list covers harassment, threats, false statements, unfair practices, and illegal contact methods. Learn what counts as a violation and how to sue for up to $1,000 per call.
Getting illegal robocalls? You can sue under the TCPA for $500 to $1,500 per call. Learn what counts as a robocall violation, how to document calls, and how to take legal action in Florida—even if you don't have a lawyer.
Debt collectors who harass you are violating federal law. Learn what counts as harassment under the FDCPA, the 777 rule that limits collection calls, what proof collectors must provide, and how to sue for up to $1,000 plus damages in Florida.
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