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The Fair Debt Collection Practices Act (FDCPA)
is a federal law that limits the actions of third-party debt collectors
who are attempting to collect debts on behalf of another person or
entity.
The law restricts the ways that collectors can contact debtors as well
as the time of day and number of times that contact can be made. If the
FDCPA is violated, the debtor can sue the debt collection company as
well as the individual debt collector for damages and attorney fees.
The Consumer Financial Protection Bureau's (CFPB's) Debt Collection Rule
clarifies the FDCPA's rules about how debt collectors can communicate
with debtors.
The FDCPA only applies to third-party debt collectors, such as those who
work for a debt collection agency. Credit card debt, medical bills,
student loans, mortgages, and other kinds of household debt are covered
by the law.
According to this law, law firms (or attorneys) trying to collect a
debt for a Florida Community Associations are subject to this law.
If a debt collector violates the parameters of the law, debtors may
submit a complaint with the Consumer Financial Protection Bureau (CFPB)
or take the debt collector to court.
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