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The Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq (FDCPA) was enacted by Congress to prevent the use of abusive, deceptive, and unfair debt collection practices by debt collectors. Congress noted that harassing debt collection activities by debt collectors contribute to an increased number of personal bankruptcies, marital instability, to the loss of jobs, and to invasions of individual privacy.

The FDCPA prohibits many abusive actions by debt collectors including, but not limited to:

  • Engaging in any conduct the natural consequence of which is to harass, oppress, or abuse;
  • Using obscene or profane language in collecting consumer debts;
  • Causing a phone to ring repeatedly with the intent to annoy;
  • Making false, deceptive or misleading representations;
  • Threatening any action which cannot legally be taken; and
  • Using unfair or unconscionable means to collect consumer debts.

At First Coast Consumer Law we will work diligently to enforce your rights against the illegal and harassing collection activities often engaged in by debt collectors.

Can We Help?

If you believe you have been the subject of illegal collection activity, please contact us today so that we may discuss your options, including the potential filing of an FDCPA lawsuit.

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Legal Disclaimer

Working with a lawyer is a critical decision which should not be based solely on advertising or internet research. The information contained at this site is not, nor is it intended to be, legal advice. Furthermore, neither use of this site nor your contacting our office creates an attorney-client relationship between you and First Coast Consumer Law.

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476 Osceola Avenue
Jacksonville Beach, FL 32250-4082

Tel: 904-242-7070
Fax: 904-242-7054

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