Consumer Protection
Consumer Protection
The Law Office of Glenn S. Banner, PA helps Florida consumers that have been victimized by debt collectors, robocallers, landlords, creditors, fraudsters, and others who prey on unsuspecting consumers. We enforce state and federal consumer protection laws enacted to protect the average consumer from unfair and deceptive practices and unethical ways of doing business. When consumer rights are abused, we are sensitive to and understand the economic and emotional damage that consumer abuse causes.
Fight Back Against Debt Collectors
There are state and federal fair debt collection laws enacted to prevent debt collectors from using harassing, abusive, misleading, dishonest and unfair debt collection practices. The Federal Fair Debt Collections Practice Act (“FDCPA”) and Florida Consumer Protection Practices Act (“FCCPA”) provide consumers with the means to seek money damages against debt collectors for violating their legal rights. There are also laws that protect you from certain unauthorized calls or texts to your cell phone. The Telephone Consumer Protection Act (“TCPA”) is a federal law that restricts certain types of calls to your cell phone without your consent.
Glenn Banner has years of experience representing debt collectors, creditors, banks and mortgage lenders in debt collection litigation. He now uses his specialized knowledge and insight to protect and enforce the legal rights of consumers. You should contact your Jacksonville FDCPA and FCCPA attorney today if you have experienced any of these common practices by debt collectors, creditors, banks and mortgage lenders:
- Unauthorized communications to consumers represented by attorney.
- Calls at work.
- Collection calls to third parties, such as spouses, roommates and friends without consent.
- Use of obscene or profane language.
- Calls, text or emails between the hours of 9:00p.m. and 8a.m.
- Threatening to behave violently or criminally to harm the person
- Using offensive language in communications
- Repeated calls or text with a purpose to harass, abuse, or annoy
- Imply that collection documents are a legal process
- Excessively calling telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass.
- Falsely represent the character, amount, or legal status of the debt
- Claim to be a lawyer or government official
- Imply or say that the implication for nonpayment will result in the debtor’s arrest or confiscation of their property
- Threaten legal action that’s not intended
- Use fraudulent means to collect or attempt to collect the debt or expenses related to the original debt unless approved in the original contract
- Imply a consumer reporting agency employs them
Stop Annoying And Harassing Texts And Calls
If you are receiving unauthorized and unsolicited calls and texts to your cell phone you may be entitled to monetary damages. Did you know that federal law and Florida law protects you from certain types of unauthorized calls and texts? The Telephone Consumer Protection Act (“TCPA”) is a federal law that law restricts certain types of calls (robocalls) to your cell phone without your consent. The TCPA regulates the types of calls that telemarketers, mortgage servicers, debt collectors, phone providers, retailers and businesses from using certain types of automatic calling systems and recorded voice messages (robocalls) to your cell phone.
Contact Our Office Today If You Have Experienced The Following:
- Automated dialing (listen for clicks, pauses, delays, or hold music before a live operator comes on to the call).
- Prerecorded messages.
- Robotic computer-generated messages.
- Automated text messages.
- Harassing or deceptive telemarketing calls.
- Any telephone call, text message, facsimile, page, or related contact made to an individual on the Do Not Call registry or on a business’ do not call list.
This website and content is to provide information about legal services only and does not constitute legal advice. By submitting this form you authorize, agree, and consent to the Law Office of Glenn S. Banner, PA, communicating with you by phone, text, and/or email.
What to do if you are the victim of unfair collection practices and harassing calls, texts and emails
- Keep written notes tracking the date, time, person you spoke with and summary for all collection and billing calls.
- Save all text messages, emails and voicemail messages
- Do not delete your caller ID history
- Call Glenn Banner to answer your questions and to determine if your rights are being violated.
- Keep a copy of any written requests to withdraw your consent to be contacted