Florida Fair Debt Collection Practices Act
Nobody should have to endure harassment and humiliation from a
debt collector or creditor when having difficulty paying
bills. Difficult economic times are stressful enough.
To protect consumers from undue harassment or abuse, Congress
enacted the Fair Debt Collection Practices Act. Protection
from harassment does not have to necessarily end there.
Consumers in certain states can turn to the laws of their own state
for added protection. Florida, for instance, is a state that
has enacted legislation to protect consumers that covers debt
collection agencies and creditors. Fla. Stat. §§559.55 to
The law provides a list of prohibited practices at
§559.72. The list of conduct that would be deemed a violation
Includes simulating legal process, unlawful threats,
misrepresentations, harassment, certain publications, unreasonable
employer or third party communication, and communicating with a
consumer known to be represented by counsel.
The Florida law provides for the right of consumers to sue an
offending party or parties for the greater of actual damages or
$1,000, plus costs and attorneys fees.