Best Practices for Consumer Debt Collection
By: Kevin R. Gowen
The Florida Consumer Collection Practices Act protects consumers from unlawful debt
- Do not communicate with the debtor between the hours of 9 p.m. and 8 a.m. in the debtor’s time zone without the prior consent of the debtor.
- Do not use or threaten force of violence, use profane, obscene, vulgar, or willfully abusive language in communicating with the debtor or any member of her or his family.
- Do not impersonate an attorney by using false letterhead or other false legal forms or instruments.
- Do not communicate with the debtor or his family with harassing frequency or otherwise engage in abusive or harassing conduct.
- Do not claim, attempt, or threaten to enforce a debt you know to be illegitimate, or assert the existence of some other legal right when you know that the right does not exist.