Debt Collection Harassment: What Florida Law Allows—and What It Doesn’t

Understanding Debt Collection Harassment

Debt collection calls can feel relentless. We regularly speak with people who are overwhelmed by repeated calls, threatening messages, or pressure tactics.

Florida and federal laws place limits on how debt collectors may contact consumers.

What Debt Collectors Are Generally Allowed to Do

Debt collectors may:

• Contact you to seek payment
• Communicate by phone, mail, or email
  

However, these communications must follow specific rules.

What Debt Collectors Are Not Allowed to Do

Collectors generally may not:

• Harass or threaten you
• Call excessively or at unreasonable hours
• Misrepresent the amount owed
• Threaten actions they cannot legally take
  

Violations may give rise to legal protections under the FCCPA or FDCPA here in Florida.

Why Documentation Matters

Keeping records of calls, messages, and letters can help establish patterns of improper behavior.

When to Seek Legal Guidance

If collection efforts feel abusive or misleading, understanding your rights can bring relief and clarity.

If you’re dealing with aggressive debt collection in Fort Myers or Southwest Florida, a consultation can help explain your rights and next steps.