The two most popular laws for fighting collection harassment are the FDCPA and the FCCPA. The FDCPA is a federal law that stands for the Fair Debt Collection Practices Act. The FCCPA is a similar state law that stands for the Florida Consumer Collection Practices Act.
These laws taken together govern the ways in which a debt collector can communicate with consumers. There are many ways in which a debt collector can engage in tactics that harass you. For example, a debt collector cannot threaten you, call you names or speak with a relative about your debt. If you feel a debt collector is harassing you, DCSD may be able to help stop the harassment.