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 offers some of the strongest debt collection protections in the United States. The Florida Consumer Collection Practices Act (FCCPA) goes far beyond the federal FDCPA.
Unlike federal law, which mostly targets third-party debt collectors, the FCCPA also applies to original creditors. This means that if your original bank, credit card company, or hospital crosses the line, you can hold them accountable under Florida law.
You have rights, and you do not have to tolerate harassment. If a creditor is harassing you in Florida, the attorneys at Hyslip Legal can step in. We sue debt collectors for statutory damages of up to $1,000, plus any actual damages and your attorney fees.
Call for a free case review: (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. For a deeper dive into federal protections, see our comprehensive FDCPA guide.
- 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 under 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.
Damages & Attorney Fees
The FCCPA gives you the power to fight back against abusive debt collectors and creditors. Under Fla. Stat. § 559.77(2), if your rights are violated, you may be entitled to recover:
- Actual Damages: Compensation for your financial losses and emotional distress caused by the harassment.
- Statutory Damages: Up to $1,000 per action, even if you cannot prove specific financial harm.
- Punitive Damages: In cases where a judge finds the collector's conduct was egregious or intentional.
- Attorney Fees and Court Costs: The law requires the violating party to pay your legal fees. This means we represent you on a contingency basis, and you pay nothing out of pocket.
Statute of Limitations (Deadlines)
Don't wait to seek help. Florida law sets a strict deadline for taking legal action against debt collectors. Under Fla. Stat. § 559.77(4), you have exactly two years from the date of the FCCPA violation to file a lawsuit.
Important Location & Practice Notice
Legal Disclaimer: Hyslip Legal operates its primary office out of Algonquin, IL. While we handle state-level claims such as the FCCPA, our attorneys also maintain a robust federal practice concerning federal consumer protection laws inside the state of Florida and nationwide.
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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