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