How the Florida Consumer Collection Practices Act Effects Tampa Residents
Knowledgeable Bankruptcy Attorneys Help Protect Your Rights
The Florida Consumer Collection Practices Act (FCCPA) protects consumers
from debt collection abuses in the state of Florida. While the Fair Debt
Collection Practices Act (FDCPA) exists at the federal level, the FCCPA
takes protections for Floridians even farther. The FCCPA has many requirements
about activities that are allowed and activities that are prohibited during
the collection of debts. If you believe that the creditors contacting
you are not operating within those requirements, our Tampa bankruptcy
lawyers may be able to help.
- Practices that are prohibited by the FCCPA include:
- Use or threat of force or violence.
- A creditor posing as a law enforcement officer or as a representative of
a governmental agency.
- Communicating or threatening to communicate with the debtor’s employer
- Disclosing information affecting the debtor’s reputation to people
other than the debtor, and his or her family, who do not have a legitimate
business need for the information.
- Communicating with the debtors with such frequency that it could reasonably
be considered harassment.
- Using profane, obscene, vulgar or willfully abusive language.
- Communicating in a manner that simulates the appearance of being authorized
by a government, governmental agency or attorney at law, when it is not.
- Mailing any communication to a debtor with words written, typed or printed
on the outside intended to embarrass the debtor.
- Communicating with a debtor between the hours of 9 p.m. and 8 a.m. in the
debtor’s time zone.
Stopping Creditor Harassment in Florida
Our Tampa bankruptcy lawyers can help you stop all forms of collection
activities, including lawsuits and wage garnishments.
Call us at (813) 940-5120 today to schedule your complimentary consultation