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Consumer Law

Email payment reminders bothering you? Receiving calls all hours of the day from collections? In an age where consumers are bombarded with communications, payments, and multiple providers to pay, it is paramount that consumer advocacy and rights are defended and upheld to protect you.

Debt Collection Defense

FCCPA:

Under the Florida Consumer Collection Practices Act (FCCPA), citizens can receive compensation for unlawful email payment reminders sent by debt collectors during prohibited hours, specifically between 9 PM and 8 AM, without prior consent. If a collector violates this law, individuals may be entitled to statutory damages of up to $1,000 per violation. Additionally, the responsible company is required to cover all legal fees, ensuring that victims incur no costs while pursuing their claims.

FCCPA Attorney | Stop Unlawful Debt Collection Emails and Payment Reminders
The Florida Consumer Collection Practices Act (FCCPA) offers critical protection from harassing and inappropriate communication from debt collectors. Under FLA Stat. 559.72(17), debt collectors are prohibited from contacting you about a debt, including sending email payment reminders, between 9 PM and 8 AM without prior consent. If this law is violated, you may be entitled to statutory damages of up to $1,000 per violation, and you will owe no attorney fees, as the law requires the violating company to pay those costs.
Common Violations Include:

  • Receiving email payment reminders between 9 PM and 8 AM
    Harassing phone calls or text messages during restricted hours
    Providing false or misleading information about your debt

  • Harassing phone calls or text messages during restricted hours

  • Providing false or misleading information about your debt

Solution: We take legal action to stop unlawful communication and seek compensation for each violation. The company that violated your rights will pay your legal fees, ensuring you are fully protected.
Contact our FCCPA attorney in St. Petersburg for a free consultation to stop unlawful emails and debt collection harassment.

FDCPA:

FDCPA Lawyer | Protect Your Rights Against Abusive Debt Collection

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive, unfair, and deceptive debt collection practices. If a debt collector engages in harassment, threatens legal action without intent, or contacts third parties about your debt, they are likely in violation of the FDCPA. Furdock Law can help you hold these debt collectors accountable and stop the harassment.

  • Harassing calls, texts, or emails
  • Contacting your family, friends, or employer about your debt
  • Misleading or false information about the debt

Solution: We stop unlawful debt collection practices and seek damages for violations under the FDCPA. The companies responsible for violations are required to pay your legal fees, so you pay nothing.


Credit Reporting & Identity Protection

FCRA:

FCRA Lawyer | Correct Credit Report Errors and Protect Your Rights
Under the Fair Credit Reporting Act (FCRA), every American has the right to an accurate credit report. However, credit reporting errors are widespread, affecting 1 in 5 Americans. These mistakes can prevent you from securing loans, getting jobs, or even renting a home. At Furdock Law, PLLC, we provide free credit report reviews to identify and correct any inaccuracies. If a credit reporting agency fails to correct an error, you may be entitled to statutory damages and further compensation for financial harm.

Common Credit Report Errors Include:

  • Incorrect account statuses or balances
  • Duplicate or outdated information
  • Inaccurate personal details

Solution: We work to correct your credit report errors and pursue legal claims if necessary. You owe no attorney fees, as the credit reporting agency is responsible for covering legal costs when they fail to comply with the law.

Telecommunications & Data Breach Claims

TCPA:

TCPA Attorney | Stop Unwanted Robocalls and Telemarketing Harassment

The Telephone Consumer Protection Act (TCPA) prohibits unsolicited robocalls, spam texts, and telemarketing harassment. If you’ve received unwanted calls or texts without your consent, Furdock Law, PLLC can help you stop these illegal communications and pursue compensation for each violation.

Common Violations Include:

  • ‍Receiving robocalls or spam texts without prior consent
  • Calls from companies with whom you have no relationship
  • Automated calls or texts that continue after asking to stop

Solution: We take legal action against companies that violate the TCPA, helping you secure compensation for each violation. The company pays your legal fees, so you owe nothing.

Data Breach

Data Breach Lawyer | Protecting Your Personal Information

When a company fails to secure your personal data, leaving you vulnerable to identity theft or fraud, you may have a claim under data protection laws. Furdock Law helps you pursue legal action against companies responsible for data breaches, seeking compensation for financial harm.

Common Violations Include:

  • Exposing personal information through security breaches
  • Unauthorized access to sensitive data
  • Failing to secure consumer data properly

Solution: We file claims to recover compensation for victims of data breaches. There are no legal fees, as the company responsible for the breach is required to cover your attorney costs.

Unfair Business Practices & Deceptive Lending

FDUTPA:

FDUTPA Lawyer | Protecting Consumers from Deceptive Business Practices

The Florida Deceptive and Unfair Trade Practices Act (FDUTPA) protects consumers from deceptive business practices such as misleading advertisements, hidden fees, and fraudulent sales tactics. If you’ve been misled by a business or suffered financial harm due to unfair practices, Furdock Law can help you hold those businesses accountable and seek compensation.

Common Violations Include:

  • Misleading or false advertisements
  • Hidden fees in service or product agreements
  • Fraudulent claims about products or services

Solution: We pursue legal action against businesses engaging in deceptive practices, ensuring you recover financial losses. There are no legal fees, as the responsible businesses cover your attorney costs under FDUTPA.

TILA

TILA Lawyer | Truth in Lending Act Violations
The Truth in Lending Act (TILA) ensures that consumers receive clear and accurate information about loan terms, interest rates, and fees. If a lender misrepresents loan terms or hides critical details, you may be entitled to seek compensation under TILA. Furdock Law works to hold lenders accountable for deceptive lending practices.
Common Violations Include:

  • Failing to disclose interest rates or fees
  • Misleading or unclear loan terms
  • Hidden clauses or penalties

Solution: We help you take action against lenders who violate TILA and work to recover financial compensation for harm caused. You owe no legal fees, as the lender covers those costs under TILA.

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