Has an out-of-state attorney or debt collector
contacted you by phone or letter?
To curb abusive debt collection practices, the federal government passed the Fair Debt Collection Practices Act (FDCPA) in 1978. The FDCPA prohibits debt collectors from using certain methods to collect outstanding debts, including those related to residential real estate. In fact, under this law the debt collector may actually have to pay $1,000.00 dollars or more for violating your rights!
Pursuant to Florida law (Fla. Stat. § 559.553), most debt collectors and out-of-state law firms must register with the Florida Office of Financial Regulation as a Consumer Collection Agency before engaging in collection activity in the State of Florida. Many do not.
Collecting a debt in Florida without a license may be considered a violation of both state and federal law!
IF AN OUT-OF-STATE DEBT COLLECTOR OR ATTORNEY IS SENDING LETTERS OR CALLING YOUR PHONE, SAVE THE LETTERS AND MESSAGES AND HAVE THEM REVIEWED BY ATTORNEY OWENS TO DETERMINE IF YOUR RIGHTS HAVE BEEN VIOLATED.