How the Fair Debt Collection Practices Act Impacts Tampa Residents
Knowledgeable Bankruptcy Lawyers Explain
The Fair Debt Collection Practices Act (FDCPA) is a federal law that is designed to stop abusive debt collection practices and to provide individuals with a way to dispute and obtain valid debt information to ensure accuracy. The FDCPA creates guidelines under which debt collectors may conduct their business and also details penalties for violations of the act. Our Tampa bankruptcy lawyers can identify when debt collectors are in violation of these guidelines and help to protect you.
Federal Protections Against Creditor Harassment in Florida
The FDCPA prohibits many types of conduct that is considered “abusive and deceptive” while attempting to collect debts. This includes:
- Contacting consumers outside of acceptable hours.
- Failure to stop communication after receiving written notice from the consumer (with certain exceptions).
- Contacting consumers at their place of employment.
- Contacting a consumer who is known to be represented by an attorney.
- Misrepresentation or deceit.
- Using abusive or profane language.
- Communication with third parties.
- Reporting false information, or threatening to do so, during the process of collection.
Consumers may file a lawsuit to collect damages from collectors who violate the FDCPA. Debt Relief Legal Group has experience protecting consumer rights through litigation against debt collectors and collection agencies in Florida.