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Your Civil Litigation Advocates

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.

Meet Our Attorneys

  • William M. Powell, Esq.
    William M. Powell, Esq. Partner
  • Rita M. Jackman
    Rita M. Jackman Partner
  • Adam J. Stevens
    Adam J. Stevens Partner
  • Richard M. Ricciardi, Jr.
    Richard M. Ricciardi, Jr. Partner
  • Jorge Santana
    Jorge Santana Partner
  • William M. Powell, Esq. Partner
    William M. Powell, Esq.

    Although William M. Powell, Esq. is well-versed in a variety of legal matters and case types, he has built a strong reputation through his focus on personal injury and medical malpractice cases. Your Advocates are proud to have him as a member of our law firm. He shares our passion for helping people in need and prioritizes our clients’ needs. Read More

  • Rita M. Jackman Partner
    Rita M. Jackman

    Ms. Jackman’s unwavering ambition and leadership has provided clients and will provide her future clients a star in this profession. Ms. Jackman is a relentless researcher and preparer who handles her client tasks with a tremendous amount of preparation and thought. Ms. Jackman was born and raised in Cape Coral, Florida which has worked to benefits her practice and the clients that she serves. Read More

  • Adam J. Stevens Partner
    Adam J. Stevens

    Mr. Stevens has found his niche by becoming a litigation attorney and understands that communication between an attorney and client are paramount to obtaining favorable results. Mr. Stevens is known for taking on any and all types of cases no matter how difficult or routine they may be. Mr. Stevens is known as an aggressive attorney, though at the same time understands that some cases require a more patience to ensure a favorable result. Mr. Stevens does not shy away from challenging legal issues and has litigated complex matters against municipalities, international unions, large banking institutions, and several insurance companies. Read More

  • Richard M. Ricciardi, Jr. Partner
    Richard M. Ricciardi, Jr.

    His experience in litigation provides him the ability to identify and isolate potential areas of conflict and effectively counsel clients around potential pitfalls. Mr. Ricciardi believes that proper estate planning, real estate counsel, and business planning are areas of importance to everyone. Protecting and dispensing clients' various interests, assets, and lifetime earnings can make the difference between a comfortable retirement and wasting thousands of dollars in assets and earnings. Specialized knowledge, experience and attention to detail in these areas is therefore critically important. Read More

  • Jorge Santana Partner
    Jorge Santana

    Attorney Jorge J. Santana, Jr. is an American born Cuban-American, fluent in both English and Spanish. Jorge left Miami to join us here in beautiful and peaceful Fort Myers, Florida in March 2015. He has an extreme love for the law, which is only overshadowed by his desire to help all those in need. His reputation for fairness, hard work and honesty is respected by all his clients and attorneys. Read More

How We're Different:

  • Dedicated & caring service
  • Over 70 years' combined experience
  • One-on-one attention
  • Customized strategies
  • Accessible - 24 hour response time
  • El abogado habla español