The Fair Debt Collection Practices Act and Florida Consumer Collection Practices Act prevent creditors from being able to collect debt through abuse, harassment, misleading or deceptive methods, according to Nolo. They are not allowed to pretend to be a government employee, contact third parties or file a lawsuit in the wrong venue just to collect a debt.
Debt collectors are also not allowed to communicate with the debtor’s employer to try and collect debt, nor can they threaten to contact his employer, says Nolo. Florida also does not allow creditors to harass the family about the debt, though they can contact the family in order to get in touch with the creditor if they are listed as a contact person. Florida is strict about the hours between which creditors can call, including not contacting the debtor between 9:00 p.m. and 8:00 a.m. unless they have consent.
Creditors can’t pretend to be anyone else to collect a debt, including misrepresenting themselves as an attorney, notes Nolo. This includes not sending notices that look like summonses from an attorney. Debt collectors are not allowed to use abusive, vulgar, profane or obscene language when trying to collect a debt from someone in Florida. If a debt collector is in violation of any of these laws, the debtor can be awarded actual and statutory damages.