FDCPA Violations

It is no secret debt collectors sometimes resort to persistent and overly aggressive tactics when attempting to collect outstanding debts. However, did you know that most of these tactics are also against the law? At both the state and federal levels, laws and statutes recognize the devious methods debt collection agents and agencies utilize to scare debtors into handing over their hard-earned money.

To curb abusive debt collection practices the federal government enacted the Fair Debt Collection Practices Act (FDCPA) in 1977. The FDCPA prohibits debt collectors from using deceitful methods to collect outstanding debts. In fact, under this law the debt collector may actually have to pay $1,000.00 dollars for violating your rights and will be forced to pay for your attorney's fees. 

Debt collection agencies often use dirty tactics in an attempt to intimidate you into paying a debt you have very little means to pay. Not only is this unfair, but also unreasonable. Seldom do debt collectors take into account your current standard of living and the people that depend on you for the basic necessities of life. When a debt collector is being deceitful when speaking with you or communicates threats and harasses you, they have broken the law and should be held accountable.

If a debt collection agent or agency has ever threatened you in any way, you may be entitled to file a lawsuit against the debt collection company or law firm to protect your consumer rights and pursue compensation for damages.

Some examples of illegal debt collection tactics include:

• Calling too early in the morning before or too late at night
• Telephone calls to your mobile phone made from an auto-dialer
• Using profane language when attempting to collect
• Threatening you in any manner
• Not revealing their identity
• Suing on a time-barred debt
• Misrepresenting the debt in any way
• Contacting you when represented by an attorney
• Contacting third parties regarding your debt

As a consumer attorney authorized to practice law in Florida at both the state and federal level, Scott D. Owens, Esq., will aggressively litigate your claim under the FDCPA to ensure that you receive just compensation for having your rights violated by abusive debt collectors.  The law firm of Cohen & Owens, P.A. covers all costs associated with any federal action under the FDCPA filed on your behalf.

“At Cohen & Owens, we do not work from 9-5;

we work from beginning to end.”