Who qualifies
Quién califica
Ki moun ki kalifye
Conduct that typically violates the FCCPA.
Conducta que típicamente viola la FCCPA.
Konduit ki tipikman vyole FCCPA.
Because the FCCPA also reaches original creditors, the conduct that triggers a claim looks broader than under federal FDCPA. Patterns we see most often in Florida:
Como FCCPA también alcanza a acreedores originales, la conducta que activa un reclamo es más amplia que la federal. Patrones comunes en Florida:
Paske FCCPA rive jouk kreyansye orijinal, konduit ki deklanche reklamasyon pi laj. Modèl komen nan Florid:
- Your credit card company calls 8 times in one day, including twice after 9 p.m., even after you've asked them to stop. Federal FDCPA doesn't reach this original creditor - but FCCPA does, under § 559.72.
- A mortgage servicer threatens to foreclose "today" or initiate criminal charges - invoking legal process the servicer has no right to invoke. § 559.72(9) violation, with statutory and possible punitive damages.
- A hospital's billing department leaves voicemails on your work phone that disclose the unpaid balance to your coworkers. Disclosure of a consumer debt to third parties - § 559.72(5).
- A car lender repossesses the vehicle, then continues to call demanding payment on a deficiency they've already written off - claiming non-existent legal rights under § 559.72(9).
- A debt buyer that took assignment from your original creditor uses both the original creditor's name and an "attorney's office" name on letters, simulating legal process. § 559.72(11) violation - and likely a federal FDCPA claim as well.
- Su tarjeta de crédito llama 8 veces en un día, dos después de 9 p.m., tras pedirles parar. FDCPA federal no alcanza al acreedor original - FCCPA sí, § 559.72.
- Un administrador hipotecario amenaza con embargar "hoy" o cargos penales - invocando proceso legal sin derecho. Violación § 559.72(9).
- El cobro de un hospital deja mensajes en su trabajo divulgando el saldo a colegas. § 559.72(5).
- Un prestamista de auto recupera el vehículo, luego sigue llamando por una deficiencia ya cancelada. § 559.72(9).
- Un comprador de deuda usa nombres de acreedor original y "oficina de abogado" simulando proceso legal. § 559.72(11) - y FDCPA federal.
- Konpayi kat kredi ou rele 8 fwa nan yon jou, de fwa apre 9 p.m., apre ou mande yo sispann. FDCPA federal pa rive sou kreyansye orijinal - FCCPA wi, § 559.72.
- Yon konpayi ipotèk menase pou sezi "jodi a" oswa chaj kriminèl - pwosè legal san dwa. § 559.72(9).
- Sèvis bòdwo lopital la kite mesaj nan telefòn travay ou ki revele balans bay kòlèg yo. § 559.72(5).
- Yon prètè machin reprann machin nan, apre kontinye rele pou yon defisi ki anile deja. § 559.72(9).
- Yon achtè dèt sèvi ak non kreyansye orijinal ak "biwo avoka" pou fè kòm pwosè legal. § 559.72(11) - ak FDCPA federal.
What MAC Legal does.
Lo que hace MAC Legal.
Sa MAC Legal fè.
Michael A. Citron is a member of The Florida Bar. FCCPA cases are typically filed in Florida state court (Circuit or County depending on amount in controversy) or in federal court with supplemental jurisdiction when paired with a federal FDCPA claim. We handle individual claims, multi-plaintiff matters, and class certification. Pre-suit demand letters often resolve cases before suit. Past results do not guarantee future outcomes.
Michael A. Citron es miembro de The Florida Bar. Los casos FCCPA se presentan en tribunal estatal de Florida o federal con jurisdicción suplementaria al combinarse con FDCPA. Manejamos individuales, múltiples demandantes y certificación de clase. Los resultados anteriores no garantizan resultados futuros.
Michael A. Citron se manm Florida Bar. Ka FCCPA depoze nan tribinal eta Florid oswa federal ak jiridiksyon siplemantè lè konbine ak FDCPA. Nou jere endividyèl, plizyè plenyan, ak sètifikasyon klas. Rezilta pase pa garanti rezilta nan lavni.
Statute of limitations.
Plazo de prescripción.
Preskripsyon.
Two years from the violation, under Fla. Stat. § 559.77(4). That's longer than the federal FDCPA's one-year window - meaning consumers who missed the federal clock may still have a viable state claim. Each violation can run its own two-year clock, so a pattern of collection conduct may produce live claims at different points in time.
Dos años desde la violación, bajo Fla. Stat. § 559.77(4). Más que el año de la FDCPA federal - los consumidores que perdieron el reloj federal pueden tener un reclamo estatal viable. Cada violación con su propio reloj de dos años.
Dezan apati vyolasyon, anba Fla. Stat. § 559.77(4). Pi long pase yon ane FDCPA federal - konsomatè ki rate revèy federal yo ka gen yon reklamasyon eta valid. Chak vyolasyon ka gen pwòp revèy dezan.
