Consumer Protection

Are you being harassed by debt collectors? Parker & DuFresne, PA may be able to help. Many debt collectors routinely violate consumer protection laws in their attempts to collect debts. While creditors do have a right to attempt to collect on outstanding debts, they must do so lawfully. This remains true even whether you owe all or part of the money they are seeking to collect.

Debt collectors' actions are restricted by several consumer protection laws. Two such laws are the Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer Collection Practices Act (FCCPA). Both the FDCPA and the FCCPA specifically prohibit many of the activities often employed by debt collectors. Illegal debt collection practices include:

  • Simulating a law enforcement officer or government agency.
  • Threatening to use or using physical force or violence.
  • Communicating with your employer about the debt without your permission prior to obtaining a final judgment.
  • Communicating with you or your family so frequently that it is harassment toward you or your family.
  • Speaking to you with obscene, abusive, vulgar, or profane language.
  • Claiming, attempting or threatening to enforce a debt when the collector knows the debt is not legitimate.
  • Pretending to be or suggesting that the collector is or is associated with an attorney.
  • Refusing to identify himself, his employer or the entity he represents when you request that he do so.
  • Communicating with you between the hours of 9 pm and 8 am in your time zone without your prior consent.
  • Communicating with you when the collectors know that you are represented by an attorney with respect to the debt.

You can sue a debt collector for violating these laws. Parker and DuFresne has successfully sued many debt collectors for violating the FDCPA and FCCPA. If you suite is successful, you’re entitled to up to $1,000 in statutory damages and/or your actual damages. Additionally, the collector must pay your attorney's fees and court costs.

If you’re being harassed by debt collectors in violation of consumer protection laws in Jacksonville, Parker and DuFresne can help. Our attorneys can sue debt collectors, end harassment and collect damages for you. Call Parker and DuFresne at 904.733.7766 to make an appointment to discuss your situation and your options.

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