FCCPA Violations

Florida FCCPA Violations Attorneys

FCCPA (Florida Consumer Collection Practices Act) vs. FDCPA (Fair Debt Collection Practices Act) Violations

While these two acts are similar in nature and have similar goals, there are a few different key aspects to each one. The Florida Consumer Collection Practices Act (FCCPA) is a state statute that applies to all citizens of Florida. The Fair Debt Collection Practices Act (FDCPA), on the other hand, is a federal statute and applies to all citizens of the United States.

In Legal Terms

Both the FCCPA and the FDCPA aim to prevent illegal and abusive debt collection activities. The state of Florida's FCCPA is broader because the statute's language says it applies to any person attempting to collect a consumer debt. Meanwhile, the federal statute, the FDCPA, only applies to those who are defined as debt collectors under the statute, which usually means that they're collecting debt that wasn't theirs to begin with or a debt that they purchased from somebody else.

In Normal Terms

What does any of that mean to you? Well, it's a distinction with a very important legal difference but, by and large, the concepts are similar. They both hold a laundry list of things that overlap and, in most cases, with regards to what people or businesses are—or, more importantly, are not—allowed to do when they're trying to collect a debt money from someone.

What Are My Rights Under the Fair Debt Collection Practices Act?

With the protections offered under the FDCPA, you, as the debtor, essentially limit when and how third-party debt collectors reach out to you. For instance, they are not allowed to call at any inconvenient time or place that you specify. Additionally, the debt collector is not allowed to disclose your debt situation with a third-party.

Creditors and debt collectors are not allowed to do any of the following when trying to collect a debt:

  • Lie
  • Trick people
  • Deceive them
  • Call a million times a day
  • Harass people with inconvenient calls, like calling at 11:30 at night
  • Call people insulting names

They can call someone at work, but under very limited circumstances. They are allowed to place one call for the purpose of attempting to locate the person they are looking to collect the debt from. However, they cannot disclose the purpose of the call. By no means can they call and tell the receptionist they need to speak with Joe Schmoe because he owes $1,000,000.

What Happens If a Debt Collector Breaks These “Cans” & “Cannots?”

Well, that’s the beautiful thing about these statutes for a law firm like us. They have a list of things that are not allowed to be done and, when debt collectors violate these statutes, they are subject to penalties. If you’d like to read the list in full, you can check them out by following the links below.

What to Do If You Think Your Rights Have Been Violated

Do you think you’ve been a victim of one (or multiple) of these violations? If so, you are entitled to fight these abusive practices!

We can help you fight these debt collectors. In fact, we’ve been doing this for over 20 years and have the experience it takes. We encourage you to jump over to our testimonial page and read some of our reviews. We hope that, by reading our reviews and seeing exactly where they came from, you’ll get a better picture of who we are and how our Florida FCCPA violations lawyers can help you.

Contact us online to get started on your case today, or call us at (800) 391-4337 to schedule your complimentary debt defense strategy session.

The Dellutri Difference

  • A Healthy Firm Culture

    When our employees are happy to come to work, we know that they are capable of overcoming any challenge on behalf of our clients.

  • Service Tailored to Your Needs

    We sincerely care about each and every one of our clients and refuse to treat them like a case file to be passed from person to person.

  • Communication You Can Count On

    We believe that our clients deserve clear and consistent communication every step of the way, without any unnecessary "legalese."

  • A Culture of Philanthropy

    In order to give back to our community, each employee at our firm is granted the opportunity to sponsor a charitable cause of their choosing.

  • Experience & Passion on Your Side

    Our dedicated team of lawyers, paralegals, assistants, & staff have been fighting on behalf of our clients since 1998.

Get a Complimentary Strategy Session

Our firm is singularly focused on our clients and will stop at nothing to fight for the future that they deserve. Let us fight for your future next.

Meet Your Attorneys

Committed to Making Our Community a Better Place
  • Carmen  Dellutri Photo
    Carmen Dellutri


    If you know Carmen Dellutri, you know he is passionate about a lot of things. He gives back often- to his community, his employees, and his loved ones. Carmen has mentioned time and time again that the reason he became an Attorney, and specifically a Personal Injury and Bankruptcy Attorney, is because he loves to help others.
  • Amanda  Downing Photo
    Amanda Downing


    Amanda Downing doesn’t mince words and says what she means when it comes to the opposing side. She has the biggest heart and will fight tooth and nail to bring justice for her clients. “I hate having to go to bat for those victims, because they never should have been put in that situation to begin with. It’s just completely unfair.”
  • David  Lampley Photo
    David Lampley


    David Lampley is a father of four. He knows that becoming a father has strengthened his professional life. He has greater compassion for parents who have to move life around to accommodate their children. “I wish other attorneys would remember that people who come to them looking for advice are parents too, just trying to do what is best for their families.”

  • David W. Fineman Photo
    David W. Fineman


    Before David W. Fineman became an attorney, he was a deputy for CCSO and PGPD. David’s lifelong devotion to helping others, mixed with his empathy for people going through hard situations, is what makes him a fantastic attorney. Being a man of his word is something David stands by and you can always count on him to get the job done and get it done right!
  • Joe  LoTempio Photo
    Joe LoTempio


    Joe LoTempio is referred to as the office superhero to many of our clients who need defending against evil creditors in our consumer protection department. Joe has always had a passion for standing up for those who need a voice, protection, and justice after being taken advantage of, so it’s no shock as to why he decided to go into consumer law.
  • Mark  Martella Photo
    Mark Martella


    Mark Martella was born and raised in the town of Belleville, New Jersey, a suburb of New York City, in a small, tight knit, Italian-American community. Mark is licensed to practice in all state courts in the state of Florida as well as the United States District Court for the Middle District of Florida. He is also licensed in the State of New Jersey and Commonwealth of Pennsylvania.