What actions can be taken if you think a debt collector has breached the law?

Where can you report a debt collector for an alleged violation of the law?
How can I prevent a debt collector from contacting me in Florida?

Many individuals are unaware that they have actually given their consent for the debt collector to contact them in their loan agreement or credit card agreement. It is crucial that you withdraw that consent, so that the debt collector understands they are no longer allowed to call you. You have the option of revoking this consent verbally or by sending a letter to them. Either method is effective in halting the debt collector’s calls.

You possess the entitlement to bring a legal case against a collector in either a state or federal court within one year from the moment you suspect the violation. If you secure a victory, you could obtain compensation for the harm you endured. Additionally, you can request reimbursement for court expenses and the fees of your legal representative. In the case of a class action, a collective of individuals can also initiate a lawsuit against a debt collector and receive compensation for damages up to $500,000, or lesser of one percent of the collector’s total assets.

A legal firm will take legal action against the wrongdoers, secure compensatory damages for you, hold them accountable for any expenses or fees, and in certain situations, alleviate the debt burden.