Florida Consumer Collection Practices Act - FCCPA Attorney
Stronger Protection for Florida Consumers Against Debt Collectors.
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Violations of the FCCPA
Florida law lists 19 specific illegal acts. Here are the most common.
Employer Contact
Contacting your employer about a debt when they know your employer prohibits it.
Harassing Frequency
Calling you with such frequency as can reasonably be expected to harass you or your family.
Dead Zombie Debt
Attempting to collect a debt when they know the statute of limitations has expired.
Impersonating Police
Pretending to be a law enforcement officer or government agency.
The Process
From harassment to compensation in three simple steps.
Free Review
We analyze your case at no cost
We File Suit
We take legal action against violators
You Get Paid
Receive compensation for violations
Florida has one of the best debt collection laws in the country. The Florida Consumer Collection Practices Act (FCCPA) goes further than the federal FDCPA.
Unlike the federal law, which mostly applies to third-party collectors, the FCCPA applies to original creditors too. This means if your bank, credit card company, or hospital harasses you, they can be sued under Florida law.
Don't tolerate abuse. If a creditor is harassing you in Florida, Hyslip Legal can stop them. We sue for statutory damages of up to $1,000, plus your actual damages and attorney fees.
Call for a free consultation: (614) 362-3322
FCCPA vs. FDCPA: What's the Difference?
The main advantage of the FCCPA is its scope:
- Original Creditors: The federal FDCPA usually doesn't apply to the company you originally borrowed from (e.g., Chase, Citibank). The FCCPA DOES.
- Punitive Damages: The FCCPA allows judges to award punitive damages to punish the collector for egregious conduct.
- State Court: FCCPA claims can be brought in Florida state courts, which are often more consumer-friendly.
Is this happening to you?
You may be entitled to compensation of $500–$1,500 per violation.
Call Us NowProhibited Acts Under FCCPA
The FCCPA lists 19 specific prohibited practices (Fla. Stat. § 559.72). Some of the most common violations we see include:
Disclosing to Third Parties
Telling your neighbors, family, or co-workers about your debt without your permission.
Abusive Language
Using profane, obscene, or vulgar language to abuse the debtor or their family.
Enforcing Illegitimate Debts
Claiming or attempting to enforce a debt when they know it is not legitimate (e.g., identity theft).
Legal Threats
Threatening to sue you or garnish your wages when they have no intention or legal right to do so.
Florida Law Protects You
Even if you owe the debt, you deserve to be treated with respect. We enforce that right.
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