FDCPA Lawyers in Florida Take Real Action Against Debt Collection Harassment
If you can tell time by the debt collection phone calls you’ve been getting, you could use the help of a Florida FDCPA attorney.
Calls before you’ve had coffee. Voicemails that feel threatening. Messages that keep coming even after you’ve said, “Stop!” It’s not okay, and consumer protection laws are meant to shield you from exactly these types of debt collection harassment. When those rules are broken, Bernheim Kelley steps in.
Here’s the part most people don’t realize: you can owe a debt and still have a case if the collector crosses the legal line. This is about whether they followed the rules, not whether you owed money.
Bernheim Kelley helps Florida consumers push back when debt collection turns into harassment. Tell us what’s been happening. We’ll take it from there. Your case review is free, and we don’t get paid unless we win. Call 954-329-0440 or complete the online form today.
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FREE case review. Zero fees for you. If we win, the company pays our attorneys’ fees!
Did a debt collector–
You can owe a debt and still have a case!
Is This Happening To You? It May Be Illegal!
- Calls before 8:00 a.m. or after 9:00 p.m.
- Calling more than once a day, 5 times per week, or over 20 times in one month
- Calling you after you said, “Stop!”
- Calling your family, employer, or others about your debt
- Calling you at work after you told them not to, or when they know it could put your job at risk
- Calling after you’ve told them you have a lawyer, and they can reach that lawyer
- Using profanity or abusive language to intimidate you
- Threatening arrest, violence, or criminal consequences to force you to pay
- Exaggerating the amount allegedly owed
- Failing to disclose who they are or claiming to be a lawyer or government official
- Trying to collect from the wrong person, or on a debt that is not owed or has been paid
- Suing or threatening to sue on a time-barred debt
- Calling using an automated dialing system or leaving prerecorded messages without your consent (could be a TCPA violation)
If you’re reading this and thinking, “Yep, that’s my life right now,” reach out to our team for a free case review. You could recover up to $1,000 if they’re violating the law, and they’ll also be responsible for attorneys’ fees and costs.
But What if I Did Owe Money? Can I Still Qualify? Whether or not you had a debt doesn’t matter. This is about how the debt was collected, not whether it existed. Debt collectors do not have the right to harass you!
What You May Be Able to Recover
FDCPA & FCCPA claims can include:
- Statutory damages (up to $1,000 in an individual case)
- In some cases, actual damages for harm caused by the misconduct
You don’t pay us. The companies we sue are responsible for attorney fees if we recover money for you.
What to Save (Do This Before You Block the Number!)
You don’t need to argue with a collector. You do need to preserve proof of their illegal tactics. Before you delete anything in frustration, do the following:
- Screenshot your call log (showing dates and times)
- Save voicemails
- Keep every letter and envelope
- Write down what was said (even quick notes help)
- Save texts and emails
Then, call 954-329-0440 or complete the online form to set up a free case review with a Florida FDCPA attorney at Bernheim Kelley. We’ll review what you’ve collected, listen to what happened, and lay out your options.
What Are the FDCPA Debt Collection Harassment Laws?
The Fair Debt Collection Practices Act (FDCPA) is a federal consumer protection law that limits how debt collectors can contact you and what they can say.
The FDCPA sets the ground rules for debt collection:
Finding Your Location
- If a debt collector contacts a third party to find you, they must identify themselves.
- They are generally only allowed to call that third party once unless the information they were given is incorrect.
How & When They Can Communicate with You
- No calls at “inconvenient” times.
- They cannot call you at work if they know it could put your job at risk.
- If they know you have an FDCPA attorney and they can reach them, they must stop contacting you directly.
Harassment & Abuse
- No threats of violence or harm.
- No profane or abusive language.
- They cannot call repeatedly with the intention of wearing you down.
- They cannot try to embarrass you or pressure you through public shaming.
False or Misleading Claims
- They can’t misrepresent the amount, status, or validity of a debt.
- They can’t pretend to be a lawyer, government official, or law enforcement officer.
- They can’t threaten legal action they do not actually intend to take.
- They can’t use misleading “legal-looking” documents to make it seem like you’re already in a court process.
Required Notices & Validation
- After first contact, debt collectors must send a written notice with key details, like the amount of the debt and who the debt is owed to.
In addition to the FDCPA, the Florida Consumer Collection Practices Act (FCCPA) could apply to your case. The FCCPA works alongside the federal FDCPA and targets many of the same abusive and deceptive tactics.
Here’s the key difference: the FCCPA can apply to third-party debt collectors and original creditors, while the FDCPA is generally aimed at third-party debt collectors only.
FDCPA FAQ
No. You can let it go to voicemail. Just save the evidence (call logs, voicemails, texts, etc.).
That’s common. Save call logs and voicemails so we can track patterns.
That’s not okay. Debt collectors have restrictions on who they can contact and how. Save anything you have and talk to us.
In most FDCPA cases, there’s a 1-year statute of limitations, so get in touch as soon as you can.
In most FCCPA cases, there’s a 2-year statute of limitations. But don’t wait. The faster Bernheim Kelley gets involved, the sooner you’ll know what recovery may be available.
Why Bernheim Kelley? We Keep It Real From the Get-Go
Debt collection harassment doesn’t just interrupt your day. It can mess with your peace, your job, your relationships, and then some. That’s exactly why consumer protection laws exist, and the team at Bernheim Kelley takes them seriously.
We don’t think anyone should be bullied into payment. Real Justice means holding these companies to the law. When you reach out to a Fair Debt Collection Practices Act lawyer on our team, you can expect:
- Real Advocacy
- Real Communication
- Real Experience
We’re not intimidated by the tactics these companies are using. We know what’s right, and we stand up for it.
Best of all, there’s no financial risk for you to get answers! Your case review is free. You pay nothing. And if we win, the company pays our attorneys’ fees and costs.
We’re proud to take real action for clients in a range of consumer protection cases, including:
- Telephone Consumer Protection Act claims
- Fair Credit Reporting Act claims
- Video Privacy Protection Act claims
Why Choose Us?
When you’re facing one of the toughest moments of your life, you need more than just a lawyer—you need a trusted ally who will stand with you and fight for your rights.
Contact a Florida Fair Debt Collection Lawyer at Bernheim Kelley Now for a FREE Case Review
If you think a debt collector is violating the law, reach out to a Florida FDCPA attorney at Bernheim Kelley for a FREE case review. Call 954-329-0440 or fill out the online form today. We’ll Keep It Real with you, determine if you have a case, and represent you at no cost to you. Let’s get to it.
The dedicated team of consumer protection lawyers at Bernheim Kelley handles cases across Florida. If you’re in Fort Lauderdale, Miami, Jacksonville, Fort Myers, Starke, or anywhere in between, reach out and get answers.