FCCPA

Florida Consumer Collection Practices (the “FCCPA”)

Creditors (e.g., banks, credit card companies, cell phone providers, landlords, etc.) are not allowed to send you certain e-mail communications between the hours of 9:00 PM and 8:00 AM.

Any e-mail you received between 9:00 PM and 8:00 AM from a creditor may violate your rights under the Florida Consumer Collection Practices Act (FCCPA).

An aggrieved consumer may be entitled up to $1000 in statutory damages if your rights under the FCCPA have been violated.

 

The most common violations are:

  • Payment is due reminder
  • Payment is past due notice
  • Auto pay notice
  • Statement ready
  • Any Bill
  • Credit Card Company Statement
  • Utility company
  • Subscriptions
  • Other communications related to a debt. If you have a relationship where you may owe them money then they may be covered.
  • If you pay them money then they may be responsible

To learn whether any e-mail you received violates the FCCPA, please forward it to this e-mail address [email protected]

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