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Unfair Debt Collection Tactics

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The federal Fair Debt Collection Practices Act (FDCPA) provides important right to consumers in Florida and throughout the United States who are being harassed by debt collectors.  One of those is the right not to be subjected to debt collection practices that are unfair or unconscionable.  That law describes specific conduct by debt collectors that is unfair and illegal:

  • Collecting any amounts that you did not expressly authorize in your credit agreement or that are not permitted by law; this includes interest, attorney fees, other fees, collection costs, charges and incidental expenses
  • Soliciting (asking for) a post-dated check in violation of the FDCPA
  • Depositing or threatening to deposit a post-dated check prior to the date on the check
  • Taking or threatening to unlawfully repossess or disable your property
  • Communicating with you by postcard
  • Sending you a letter in an envelope that indicates it is from a debt collector

Each of these is a violation of the law.  In most cases, they are also violations of the similar Florida law called the Florida Consumer Collection Practices Act (FCCPA).  Let me put my knowledge of the law to work for you.  Protect yourself from such unfair debt collection tactics – call me now at 386-444-3032 or reach me by clicking here.