Did you know that it is illegal for anyone to contact you with an auto dialer system on your cellular phone either by calling or texting you without your prior consent?

Consumers often have credit card, medical, student loan, mortgage, or other debt issues and are being contacted on their cellular phone about the debt, even though they never provided their cell phone information, or have since changed their cell phone number. Most consumers are completely unaware that these calls are in violation of their rights and that they may be entitled to statutory damages, from between $500 to $1,500 for each violation.

The Telephone Consumer Protection Act (TCPA) is a powerful consumer statute that was signed into law in 1991. The purpose behind this law is to protect consumers from unwanted telephone solicitations (telemarketing calls), SMS texts, and faxes. In addition, it protects people from being contacted with the use of automated telephone equipment without their previous consent. The TCPA is a dynamic and complex statute that is constantly changing based on new court rulings.

Schedule your free case evaluation today to receive legal help with an unauthorized contact issue.

Here are a few examples of TCPA violations:

  • Calling someone who has placed his or her contact information on a “do-not- call” (DNC)
  • Calling someone’s residence using an artificial voice or a recording
  • Making any call using automated telephone equipment or an artificial or prerecorded voice to a cellular telephone without prior consent to do so
  • Sending unsolicited advertising faxes
  • Sending unsolicited SMS text messages


There have been dozens of new federal cases over the past couple years that have sought to clarify and explain the parameters of what prior consent means, what is required to revoke consent, and what types of phone systems qualify as automated dialers. At Loan Lawyers, our Fort Lauderdale creditor harassment attorneys are at the forefront of this litigation and vigorously have been fighting to protect and enforce our clients’ rights under the TCPA.

Consumers come to Loan Lawyers on a regular basis for help with foreclosure defense, bankruptcy, or other debt related issues, completely unaware that they have potential claims under the TCPA. Through our personal attention and unique debt assessment interviews, we have uncovered and filed claims on behalf of our clients under the TCPA that were worth hundreds of thousands or even millions of dollars. We serve clients in Miami and Fort Lauderdale.


If you are received text messages or phone calls by any organization that is trying to solicit you, or are being contacted on your cellular phone by a debt collector or anyone you owe money to, you may have a claim under the TCPA. Don’t just ignore these calls because they could be worth up to $1,500 per violation. Contact our Fort Lauderdale creditor harassment attorneys today to see how we may be able to help.