Fair Debt Collection (FDCPA) Attorney
At PZ Law Group, we help protect consumers from abusive, deceptive, and unfair debt collection practices under the Fair Debt Collection Practices Act (FDCPA). Our FDCPA attorneys hold debt collectors accountable when they violate your rights—whether they’re harassing you with repeated calls, making false statements, or contacting you at work. We work to stop the harassment and may be able to recover compensation for the harm you’ve experienced. If you’re being mistreated by a debt collector, we’re here to fight for you.
What Is the FDCPA and Who Does It Protect?
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive and unfair debt collection tactics. It applies to personal, family, and household debts—like credit cards, medical bills, and auto loans. Under the FDCPA, third-party debt collectors are prohibited from harassing, threatening, or misleading consumers.
You may qualify for protection under the FDCPA if you’re being contacted about a personal debt by a collection agency, law firm, or other third-party debt collector. If your rights have been violated, you may be entitled to damages—and we’re here to help you take action.
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Understanding Your Rights Under the Fair Debt Collection Practices Act (FDCPA)
Collectors are required to identify themselves, their motive, and their employer (when asked) to any third party they call to gather information about a debtor. They may only contact third parties once to discover a debtor’s location, unless the information is found to be erroneous. Should the collector learn that the debtor has retained a lawyer, they must cease direct communications to the debtor and only communicate with the lawyer.
The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive, deceptive, and unfair debt collection practices. Passed by Congress in 1977, the FDCPA sets clear rules that third-party debt collectors must follow when attempting to collect debts related to personal, family, or household expenses.
This includes common types of debt such as:
Credit cards
Medical bills
Auto loans
Mortgages
Personal loans
Under the FDCPA, collectors cannot:
Call you at unreasonable hours
Threaten or harass you
Use abusive language
Lie about the amount you owe
Contact you at work if you’ve told them not to
Speak with others about your debt without your permission
If a debt collector crosses the line, you have rights—and you may be entitled to financial compensation.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) gives consumers powerful protections against abusive debt collection practices. Under the FDCPA, you have the right to:
Be treated with respect — Collectors cannot harass, threaten, or use abusive language.
Receive accurate information — Debt collectors must be truthful about the amount you owe.
Control communication — You can request collectors to stop contacting you or only reach out in writing.
Dispute the debt — You have the right to request validation of the debt within 30 days of first contact.
Protect your privacy — Collectors cannot discuss your debt with others, like your employer or family.
Sue for violations — If your rights are violated, you may be entitled to financial compensation.
At PZ Law Group, we help you understand and assert your rights—because you deserve to be treated fairly.
How PZ Law Group Can Help
At PZ Law Group, we focus on defending consumers just like you. We understand how stressful and overwhelming it can be to deal with aggressive debt collectors. Our FDCPA attorneys have the experience and dedication to stand up to unlawful collection tactics and hold collectors accountable.
When you work with us, we will:
Review your case and identify FDCPA violations
Communicate directly with the collectors to stop the harassment
Pursue compensation for damages, which may include emotional distress or lost wages
Help restore your peace of mind
You don’t have to deal with this alone. Let PZ Law Group protect your rights and help you regain control.
Contact us today for a free consultation—your first step toward relief starts here.
What Debt Collection Tactics Are Considered Illegal?
Some of the most common illegal tactics debt collectors utilize against you include:
- Calling too early in the morning or too late at night (before 8 AM or after 9 PM)
- Calling more than once a day
- Calling more than five times per week
- Calling over 20 times in one month
- Calling at work when they have been asked not to
- Using profanity to intimidate you
- Using threats to attempt to coerce you into paying a debt
- Telling or asking family members, friends, coworkers, and generally anyone who is not involved in your debt about your debt
- Exaggerating the amount owed
- Leaving prerecorded messages without your consent
- Threatening arrest or violence
- Suing for a time-barred debt
- Failing to disclose their identity over the phone
- Calling by using an automated dialing system without your consent
- …and dozens more
What Are The Potential Consequences Of FDCPA Violations?
Any debt collector who does not comply with FDCPA requirements may be held accountable to the debtor for actual damages incurred as a consequence. Additionally, a debtor can pursue damages by filing a personal claim that may compensate for up to $1,000 per FDCPA violation. The amount of compensation awarded in damages will depend on various factors, including:
- The rate of recurrence and noncompliance of the collector
- The character of the noncompliance
- Assets of the debtor
- The number of individuals negatively affected
- The degree of intent with which the infringements were performed
Schedule A Free Consultation With South Florida’s Experienced Fair Debt Collection Lawyers
If you’re dealing with harassment or unfair treatment from debt collectors, you don’t have to face it alone. At PZ Law Group, we specialize in protecting consumers under the Fair Debt Collection Practices Act (FDCPA). Our experienced South Florida attorneys are ready to review your case, explain your rights, and help you take action—at no cost to you.
Schedule your free consultation today and let us help you stop the harassment and hold debt collectors accountable.