FDCPA | FCCPA | TCPA VIOLATIONS
If a debt collector does any of the following, he or she may have caused his or her employer to be in violation of the Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act and / or the Telephone Consumer Protection Act:
Called you before 8:00 a.m. or after 9:00 p.m.?
Used a fake caller ID, e.g. Bob Smith, rather than the name of the debt collector to lure you to answer the phone?
Called using automated dialing (a delay before someone picks up, a recorded greeting, automatic hold).
Used false means / representations to lure you into responding to their calls or calling back? (e.g. Leaving a message “If you are not (any name but yours), call back so we can take you off our list…”, or used a misleading name on the caller ID?).
Called you at work knowing that you cannot accept calls there?
Left a message on your voicemail which included any information regarding the existence or details of the debt, your name or any other information identifying you?
Used or threatened force or violence?
Used obscene, abusive, or profane language?
Advertised your debt to get you to pay?
Continuously called you or your family to annoy or harass you?
Repeatedly made your phone ring to annoy or harass you?
Refused to tell you who they are?
Made any false representations?
Pretended or simulated to be a law enforcement officer or from any government agency?
Told you that they would tell another individual information affecting your credit worthiness about a disputed debt without telling them that the debt is actually disputed or have they done this?
Tell or threaten to tell your employer about a debt (without your written permission), if a final judgment has not been made against you?
Tell someone else other than a family member information affecting your reputation (credit worthiness or otherwise) with reason to know that the other person does not have a legitimate business need for it?
Claim, attempt, or threaten to collect a debt that they know is not legitimate?
Communicated in such a manner to make you think they are approved by a governmental agency or attorney when they were not?
Threatened or actually published or posted before the general public your name as a debtor (“deadbeat list”)?
Mail anything to you with anything printed on the envelope to embarrass you, such as “Deadbeat, Jane Doe”?
Caused you to incur charges by concealing the true nature of communication, such as collect telephone calls or telegram fees?
Used tricks or deception to make you call them including lying about the purpose of their attempt to contact you or tell you to call back to advise them that they have a wrong number or wrong person only to find out when you call that they “happen” to have a debt that you owe them?
Made any attempt to collect a debt against you even though the debt was put through bankruptcy?