If your phone won’t stop ringing and every unknown number fills you with anxiety, you need to know this: debt collectors are not allowed to harass you — and you may not have to file bankruptcy to make it stop. Many Floridians live with constant stress simply because they don’t realize the law is on their side.

Debt collectors often rely on fear, urgency, and misinformation. But when you understand your rights under federal and Florida consumer protection laws, you can push back confidently and legally. Knowing what collectors cannot do is often the first step toward reclaiming your peace of mind.

Your Rights Under Federal and Florida Law

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors cannot:

• Harass you with repeated calls, threats, or profanity
• Lie about the amount you owe
• Threaten arrest for unpaid consumer debt
• Contact you after you send a written request asking them to stop
• Call you at work if you tell them not to

Under the Florida Consumer Collection Practices Act (FCCPA), debt collectors and original creditors cannot:

• Use vulgar, abusive, or profane language
• Call before 8 a.m. or after 9 p.m.
• Harass your family members
• Pretend to be law enforcement
• Continue contacting you if they know you have an attorney

Quick Takeaways

• You do not have to file bankruptcy to stop harassment
• You can send a written cease-contact letter
• You may be entitled to damages for violations
• Keep detailed records of calls and messages

Starting the Pro Se Process in Florida

If a collector files a lawsuit, you must file a written Answer within 20 days of being served. Forms may be available through your local Clerk of Court or Florida Courts’ self-help resources. Filing an Answer prevents an automatic default judgment.

Gather account statements, letters, proof of payments, and any communication records. You may assert defenses such as mistaken identity, incorrect balance, or expired statute of limitations.

About FRLS

Florida Rural Legal Services (FRLS) is a non-profit civil legal aid organization that provides free legal assistance to qualified low-income individuals and families in designated Florida counties. Our attorneys help protect consumers from unlawful debt collection practices and financial abuse.