Florida Consumer Collection Practices Stops Tampa Debt Harassment
Did you know that Florida has a special law to protect debtors from harassment? The Florida Consumer Collection Practices (FCCPA) protects Floridians from debt collectors who go too far.
Florida Consumer Collection Practices (FCCPA)
The Florida Consumer Collection Practices (FCCPA) is very similar to the federal law, the Fair Debt Collection Practices Act, in prohibiting the following actions:
- Pretending to be a government official or an attorney
- Threatening violence or using profanities when speaking to you
- Sending information on a postcard
- Sending derogatory messages about you to a credit reporting agency
- Contacting third parties about your debt or otherwise embarrassing you, including your employer
- Contacting you between 9 p.m. and 8 a.m. without your permission
- Sending letters that look like attorney or governmental letters but that are not
- Attempting to collect an expired debt
- Hiring an unlicensed credit collection agency
- Communicating with you if you are represented by an attorney
The federal act protects you from debt collection agencies and debt buyers. The FCCPA adds protection against the original creditor. In addition, a debt buyer must give you thirty days’ notice before attempting to collect the debt from you.
Tampa Debt Harassment
If you are being harassed by a Tampa debt collection agency, you may want to contact a debt collection harassment lawyer. The lawyer will help you understand the law and how an attorney can help you to settle your debt. With the Hoag Law Firm, your initial consultation is free. We will stop the harassment, negotiate on your behalf, and if necessary, represent you in court. You will have peace of mind from stopping the harassment and possibly even eliminating your debt.
Hoag Law Firm
Hopefully, you will never need the legal services of a Tampa personal injury lawyer specializing in debt collection harassment. If you do, give Hoag Law Firm a call or complete your online Free Case Evaluation. A free consultation can help you understand your rights. With honest advice and an experienced attorney at your side, you can recover the largest possible settlement. You’ll love getting back to living your life.