The Fair Debt Collection Practices Act (FDCPA) is a federal law that sets limits on what bill collectors can do in attempting to get you to pay a debt.
The FDCPA prevents debt collectors from talking to third parties about your debt, calling you at work, and engaging in other tactics designed to harass, abuse, or mislead you into paying a debt.
Despite the deeply discounted rate, these companies will aggressively press for collection of the full outstanding debt.
At first contact, a debt collector must inform the debtor of the right to dispute the debt.
Miami consumer rights attorneys at Jacobs Keeley know even as federal regulators turn a keener eye to the issue in the wake of the housing crisis, Great Recession and social movements like “Occupy Wall Street,” violations still happen all the time.
In general, the FDCPA governs collectors’ actions in so far as it concerns: In addition to federal protections, the Florida Legislature has passed supplement protections in the form of the Florida Consumer Collection Practices Act, which extends the regulations to creditors as well as debt collectors.
It’s one thing to call someone to remind them of a missed payment. This is precisely why Congress enacted the Fair Debt Collection Practices Act in 1978.
It was in direct response to a spike in bankruptcy filings tied to evidence of abusive, unfair and deceptive collection practices.Florida's Consumer Collection Practices Act (FCCPA) protects you from abusive debt collection practices.Like the FDCPA, the Florida CCPA covers debt collectors.However, a collector may not communicate with you or your family with such frequency as can reasonably considered harassing.A debt collector may not contact you at work if the collector knows your employer does not approve, nor may a collector contact you at unreasonable times or places, such as before 8 a.m. A debt collector is required to send you a written notice within five days after you are first contacted, telling you the amount of money you owe.A debt collector may contact you if you are behind in your payments to a creditor on a personal, family or household debt, or if an error has been made in your account.