FDCPA - Fair Debt Collections Practices Act
Florida and federal law protect you against debt collection abuse. Creditors, professional debt collectors, and collection attorneys who violate the law are subject to paying actual damages, statutory penalties of $1000, and your attorneys fees and costs. The following is a list of common violations under the Florida Consumer Collections Practices Act (FCCPA), the Fair Credit Reporting Act (FCRA) and the federal Fair Debt Collection Practices Act (FDCPA).
FCCPA - Florida Consumer Collections Practices Act
The Florida Consumer Collection Practices Act (FCCPA) was adopted to reinforce the consumer rights established by federal law for individuals who owe money to others.
FCRA - Fair Credit Reporting Act
The FCRA requires credit reporting agencies, businesses that supply those agencies with information, data brokers, and business that request or use your credit report to comply with regulations that protect your rights. Not to be confused with official laws protecting excessive credit card fees, The Fair Credit Reporting Act is more specific to credit reporting. Those protections include:
TCPA - Telephone Consumer Protection Act
The TCPA: Protection Against Robo Calls and Prerecorded Calls
The Telephone Consumer Protection Act (TCPA) places restrictions on robo calls and prerecorded messages made by telemarketers and debt collectors.
The federal Telephone Consumer Protection Act, also known as the TCPA, was passed by Congress in response to an increasing number of consumer complaints about telemarketer and debt collector phone calls. The primary purpose of the TCPA is to reduce the number of nuisance calls. But also, and perhaps more importantly, it works to protect the consumer's right to privacy.