Consumer Law Florida Blog

12 articles tagged “Consumer Rights”

Articles: Consumer Rights

FCRAConsumer Rights

Jul 15, 2026•7 min read

Background Check Errors Cost You a Job? Your FCRA Rights in Florida

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.

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FDCPADebt Collection

Jul 8, 2026•7 min read

Cease and Desist Letter to a Debt Collector: Stop the Calls in Florida

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.

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FCRACredit Report

Jul 1, 2026•8 min read

Wrong Collection on Your Credit Report? Your FCRA Rights in Florida

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.

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FDCPAFCCPA

Jun 24, 2026•8 min read

Can a Debt Collector Have You Arrested in Florida? Your FDCPA Rights

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.

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FDCPAFCCPA

Jun 10, 2026•6 min read

Can Debt Collectors Call Your Family in Florida? Your FDCPA Rights

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.

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FDCPAFCCPA

Jun 5, 2026•5 min read

Can a Debt Collector Call You at Work in Florida?

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.

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FDCPAFCCPA

Jun 3, 2026•6 min read

Can a Debt Collector Threaten Wage Garnishment in Florida?

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.

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FCCPADebt Collection

May 29, 2026•6 min read

The FCCPA: How Florida's Debt Collection Law Protects You

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.

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Florida LawDebt Collection

May 22, 2026•10 min read

Florida Statute of Limitations on Debt: When Old Debts Become Unenforceable

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.

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FDCPADebt Collection

May 6, 2026•15 min read

Debt Validation Letter: How to Demand Proof You Owe a Debt (Free Template)

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.

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FCRADebt Collection

Apr 28, 2026•15 min read

Complete FDCPA Violations List: 15+ Illegal Debt Collection Tactics

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.

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FCRAFDCPA

Apr 15, 2026•9 min read

How to Sue for Robocalls in Florida | TCPA Lawsuit Guide

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.

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