Abusive Debt Collectors

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 and coerce 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. In 1993, the Florida government enacted a comparable statute entitled "Florida Consumer Collection Practices Act" (FCCPA). These consumer protection acts prohibit 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 threatens and harasses you, they have broken the law and should be held accountable. You deserve to be treated with fairness, dignity and respect, and we may be able to ensure that.

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 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 consumer law attorneys authorized to practice law in Florida at both the state and federal level, Lewis & Jurnovoy, P.A. , will aggressively litigate your claim under the FDCPA or FCCPA to ensure that you may receive just compensation for having your rights violated by abusive debt collectors.

Contact us if you feel your rights have been violated
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Pensacola Office
1100 N. Palafox St.
Pensacola, Florida 32501
Telephone: 850-432-9110
Fort Walton / Mary Esther Office
151 South Mary Esther Cutoff, Suite 103
Fort Walton Beach, Florida 32569
Telephone: 850-863-9110
Panama City Office
825 Jenks Avenue
Panama City, Florida 32401
Telephone: 850-913-9110

We serve clients throughout the Florida Panhandle, Gulf Coast and Northwest Florida, including Pensacola, Cantonment, Milton, Century, Pace, Gulf Breeze, Navarre, Mary Esther, Fort Walton, Destin, Niceville, Crestview, Defuniak Springs, Santa Rosa Beach, Seaside, Marianna, Panama City, Port St. Joe, Lynn Haven, Wewahitchka and other communities in Escambia, Santa Rosa, Okaloosa, Walton, Bay, Calhoun, Gulf, Holmes, Jackson, Washington, Liberty and Franklin counties.

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established. The United States Congress has designated Lewis & Jurnovoy, PA, law firm as a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code.