“To preserve our independence, we must not let our rulers load us with perpetual debt. We must make our election between economy and liberty, or profusion and servitude.” – Thomas Jefferson
Dealing with financial problems can be overwhelming and emotionally draining. We have seen debt collectors and their lawyers bully people with unethical and illegal acts. We understand that the largest financial institutions can be intimidating too. And even if you are not in debt, merchants, large corporations, and debt collectors can undertake several different kinds of illegal, anti-consumer behavior. For many reasons (one of which is just that it’s part of our DNA), we are eager to hold those who commit illegal acts against consumers accountable!
These are some of the statutes we have used to protect consumers:
- Federal Fair Debt Collection Practices Act (FDCPA): This act prevents abusive practices by debt collectors, and it allows consumers to collect actual and statutory damages.
- Fair Credit Reporting Act (FCRA) & Fair and Accurate Credit Transactions Act (FACTA): These laws regulate credit reporting agencies and the companies who report information to them, and they provide debtors with multiple ways to defend themselves in collection actions as well as to protect their identity, privacy, credit score, and credit report. There is also a provision in FACTA that prohibits merchants from printing debit and credit card receipts that contain more than the last five digits of your card number or any numbers from the card’s expiration date. (For more on this specific issue, go to our blog post: “Your Debit and Credit Card Receipts Could be Worth $1,000.”)
- Florida Consumer Collection Practices Act (FCCPA): This act provides ways for Florida residents to collect actual and statutory damages from unscrupulous actions of anyone trying to collect on a debt.
- Florida Deceptive and Unfair Trade Practices Act (FDUTPA): This law protects people against unfair business practices or competitive methods and gives you a private right to sue anyone who violates the law. In addition to stopping bad actors and collecting actual damages, you can also recover attorney’s fees and the costs.
If you or someone you know needs help in a personal injury, real estate, foreclosure defense, or consumer protection matter, call us at 754-400-5150 or fill out our online form. Let the lawyers and staff of the Law Offices of Evan M. Rosen, serve you!