Practical guides on FCRA, FDCPA, and TCPA rights under Florida consumer protection law.
16 articles tagged “FDCPA”
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 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 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.
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.
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.
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.
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.
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.
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