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Consumers should also know that under Florida law, a debt collector attempting to collect a debt within the state is required to be registered and licensed by the Florida Office of Financial Regulation. If they have failed to register and do not classify as an exception to the registration requirement, then they are violating the Florida Consumer Collection Practices Act as well as the Federal Fair Debt Collection Practices Act.
In many cases, collection firms buy these debts in bulk, and don’t bother to verify whether the debt is good before they begin pressing you to pay.
It was in direct response to a spike in bankruptcy filings tied to evidence of abusive, unfair and deceptive collection practices.
Miami consumer rights attorneys at Jacobs Keeley know even as federal regulators turn a keener eye to the issue in the wake of the housing crisis, Great Recession and social movements like “Occupy Wall Street,” violations still happen all the time.
Stringent Federal and State laws have been established to specifically prohibit unjust, abusive, or harassing debt collection activities.
The federal government has enacted the Fair Debt Collection Practices Act (FDCPA) to prevent collection agency abuse.