Collection Attorney Palm Beach County
Ms. Valdes has handled hundreds of cases throughout the State of Florida related to consumer protection claims and can help you if you are being harassed by debt collectors. Prior to founding Valdes Law Firm, P.A., Ms. Valdes represented the country’s largest financial institutions in actions containing claims related to predatory lending practices, Fair Debt Collection Practices Act (FDCPA), Florida Consumer Collections Practices Act (FCCPA), and consumer fraud, amongst others. Now, Ms. Valdes is committed to helping consumers fight against debt collectors who violate consumer protection laws in Broward, Miami-Dade, Palm Beach, and all other counties throughout the State of Florida.
As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer Collections Practices Act (FCCPA). Although debt collectors have the right to try and collect on outstanding debts, they are required to adhere to consumer protection laws. Many debt collectors routinely violate consumer protection laws in their attempt to collect debts; however, just because you are in debt does not give a debt collector the right to violate the law. If you feel that a debt collector is violating the law and your consumer rights, you should contact an attorney who will defend and protect your rights. Call us or contact us online today for your free consultation.
The FDCPA and FCCPA specifically state that a debt collector is prohibited from using harassing, oppressive, or abusive conduct in their attempts to collect a debt. Practices prohibited by the FDCPA and/or the FCCPA include:
- Using or threatening force or violence
- Communicating with your employer about the debt without your permission before obtaining a final judgment
- Communicating with you with such frequency that it can be considered harassment
- Using profane, obscene, vulgar, or abusive language
- Claiming, attempting, or threatening to enforce a debt when the collector knows the debt is not legitimate
- Communicating with you when the collector knows that you are represented by an attorney with respect to that debt
- Communicating with you between the hours of 9 pm and 8 am in your time zone without your prior consent.
When debtors violate consumer protection laws, you can sue them. If you are the victim of abusive or harassing debt collection activities, you may be entitled to money damages, regardless of whether or not you actually owe the debtor money. Debt collectors have no right to violate consumer protection laws in an effort to collect a debt. Do not let a debt collector violate the law and your consumer rights by harassing you. In a successful suit, you are entitled up to $1, 000 in statutory damages, or your actual damages, whichever is greater, plus attorney’s fees and costs.