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Your Advocates Helping You Navigate the Complexities of the Law

Florida Consumer Collection Practices Act

Your Rights Under the FCCPA

Much like the Fair Debt Collection Practices Act (FDCPA), the Florida Consumer Collection Practices Act (FCCPA) protects consumers from abusive and deceptive debt collection practices exercised by debt collectors and creditors. It essentially codified the federal FDCPA and strengthened it for Florida consumers. The act extends not only to debt collectors and third party debt buyers, but also creditors, as the FDCPA did not extend to the original creditors themselves.

Violations of the FCCPA

The team at Your Advocates is extremely familiar with the differences between the two co-existing laws, and are experienced at helping Fort Myers and Lee County consumer debtors who are being unfairly treated and harassed by debt collectors and creditors who engage in collection practices prohibited by the FCCPA.

If you have received calls of the following natures, you have likely received calls which are in violation of the provisions of FCCPA:

  • From people posing as police officers or representatives of a government agency
  • From collectors threatening to talk to your employer without having obtained a judgment
  • From people falsely presenting themselves to be attorneys

Contacting you between 9:00 PM and 8:00 AM without your permission or contacting your family and friends are also violations of the Florida Consumer Collection Practices Act. The act provides for penalties in the form of monetary compensation to you, possible punitive damages (increasing your compensation by as much as three times) and actual damages if you have sustained financial losses due to the offender's actions.

Unfair Collection Actions Tactics Stopped: No Fee Unless We Win

Our attorneys have been focused on protecting the legal rights of individuals who have been abused by debt collectors since we first established our firm. We are dedicated to serving our clients with ethics, professionalism and respect. Read what our clients have said about our service on our testimonials page.

Then contact us for a free evaluation to discuss your case in detail and determine for yourself whether or not our firm is right for your needs. All debt collection violation cases are handled on a contingency basis, meaning there is never a fee unless we recover money for you. Contact us today.

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A FIRM YOU CAN RELY ON What to Expect With Our Firm on Your Side?

  • Over 70 Years of Combined Legal Experience
    For more than 70 years, we have been providing our clients with trustworthy and knowledgeable legal counsel for a wide variety of legal matters.
  • 24/7 Availability
    Our attorneys understand the emotional turmoil that an injury matter can have on someone. For this reason, we make ourselves available when you need us most.
  • Dedicated & Caring Service
    At Your Advocates, you will never be treated as just a number. Whether your case is monetarily small or large - you will receive the customized and personalized attention that you deserve.
  • One-On-One Attention
    As Your Advocates, we ensure that we are actively involved in communicating with you from start to finish. This communication allows us to come up with a customized solution that best fits your goals.

Hear From Our Happy Clients

Reviews & Testimonials

At Your Advocates, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    "Ms. Jackman just wanted to say what a GREAT JOB you did."

    Ms. Jackman just wanted to say what a GREAT JOB you did. Thanks for making a nervous process easier to handle!! Take care!

    - Mark Z.
    "They were very efficient, pleasant, and professional."

    They were very efficient, pleasant, and professional. Based on this very positive experience, we would recommend this company, and would not hesitate to use them again in the future.

    - Former Client
    "The firm surely does stand by its name as Your Advocates!"

    He was extremely professional throughout the journey and very experienced in this matter. I would recommend this firm to anybody in an uncontested eviction, contested eviction or any legal needs. The professionalism and value I received was a pleasant surp

    - Terry A.
    "Highly Recommended!"

    I worked with Rita Jackman, she is very much respectful, she breaks down all the details, and cares about her clients‼️ ...

    - Rittney O.
    "I’ll definitely be sending family and friends your way."

    Rita Jackman is my attorney and I can’t recommend her enough! She’s been truly amazing through a difficult time. She always ...

    - Jordan H.
    "There was never a day that one of them didn't respond by phone or email to our questions or concerns."

    Rita Jackman was incredible working with us on my daughter's injury case and negotiating on her behalf. Thank you Noelle for ...

    - Brad M.
    "I will not hesitate to recommend them and I will be calling them the next time I need any help."

    Noel took great care of us! She was very helpful, professional, on point and an absolute pleasure to have on our side ...

    - Joseph B.
    "Diana's experience, professionalism, and dedication resulted in a most favorable outcome of my case and her negotiation skills proved it."

    I had the pleasure of working with Diana Castrillon on my workers' compensation case and the least I can say is that she is ...

    - Alberto S.
Proudly Serving Clients in Fort Myers, FL Areas We Serve

Your Advocates is proud to serve Fort Myers, Florida and other surrounding areas.

  • Alva
  • Boca Grande
  • Bokeelia
  • Bonita Springs
  • Buckingham
  • Cape Coral
  • Captiva
  • Estero
  • Fort Myers
  • Fort Myers Beach
  • Iona
  • Lehigh Acres
  • McGregor
  • North Fort Myers
  • San Carlos Park
  • Sanibel
  • St. James City
  • Villas

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