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Illegal Collection Charges?

While a debt collector may be able to ask you to pay money that is owed to their clients, members of the public should be cautious and careful to determine if they are being charged more than they should. Under the Florida Consumer Collection Practices Act(“FCCPA”) and under the Fair Debt Collection Practices Act(“FDCPA”) it is illegal for debt collectors to charge collection costs or other charges which were not authorized by contract. If a member of the public gets a credit card or signs a contract or gets a line of credit and part of the terms of that account provide that if payments are late, extra charges can be applied, then broadly speaking those charges are allowed. However some less than ethical collection agencies may try to tack on “collection” charges which were not authorized by contract or otherwise authorized by the law. Broadly speaking, large banks and financial institutions usually only seek to collect late fees or collection fees which they are authorized to collect but smaller businesses and smaller collection companies often tack on unlawful charges. Look over your bills carefully and if you believe that you may be charged illegal collection fees, contact our office and set up an appointment. We have filed lawsuits before for unlawful collection efforts in the past and usually take those sorts of cases on a contingency basis.

This document has been provided for informational purposes only and is not intended and should not be construed to constitute legal advice. Please consult your attorney in connection with any legal issues related to the matters discussed in this article as the applicability of state, local and federal laws may vary.