Consumer debt law can be complicated. The assistance of a VG attorney is essential to understanding the complexities and positioning yourself in favorable way to win your case.

To expand on the FDCPA, the Florida legislator implemented what is known as the Fair Consumer Collection Practice Act. The FCCPA applies these regulations to creditors as well as debt collectors. Creditors who are collecting their own debts must not engage in behavior that is deemed prohibited.

Similarities Between FCCPA and FDCPA Claims

Both of the statutes were created to protect consumers from harassing debt collectors. Florida courts will typically interpret the federal and state statues similarly.

Differences Between FCCPA and FDCPA Claims

One of the major differences between FCCPA and FDCPA claims are the damages that a consumer may receive. Under both, a debt collector’s potential exposure could be attorney’s fees, actual damages and fines up to $1,000.00. However, under the FCCPA, consumers can seek punitive damages. This amount can be unlimited.

Unlawful engagement by debt collectors and creditors include:

  • Mail communications that publicly could embarrass the consumer
  • Disclose information to a third party about the consumer’s debt
  • Verbal threats of violence or enforcement
  • Harass the consumer through frequent contact

If you are suffering from creditor harassment or any other unlawful practices, your VG lawyer is on standby and ready to assist you in every way! Contact us at 1-833-HELP-365 to discuss your potential case. We are available 24 hours a day, 7 days a week.

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