What are the FDCPA and FCCPA?

DCSD mainly represents clients under the FDCPA, which stands for the Fair Debt Collection Practices Act. The FDCPA is a federal statute that is relevant across the country. Florida debtors are also protected by the FCCPA, which stands for the Florida Consumer Collection Practices Act. The FCCPA is similar to the FDCPA, but it applies to creditors not just debt collectors.

Both the FDCPA and the FCCPA are laws that outline what a debt collector can and cannot do while attempting to collect a debt. For example, a debt collector cannot threaten you, call you names or speak with a relative about your debt.

If the debt collector does not comply, the company will be required to pay damages to you and your attorney’s fees.