Florida Debt Validation Letter
Florida's Consumer Collection Practices Act gives you rights beyond federal law. Generate your Florida dispute letter in 60 seconds.
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30-day statutory response window will be calculated automatically.
To Whom It May Concern,
I am writing in response to your contact regarding the debt referenced above. I am exercising my federal consumer rights to formally dispute this claim and demand proof of its validity.
Under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692g, you are required to cease collection activities until you provide written validation containing the following documentation:
- Verification of the exact amount of the alleged debt, including an itemization of all interest charges, collection costs, and fees added.
- The name and physical address of the original creditor for this account.
- Verification showing that you have the legal license or purchase agreement authorizing you to collect this debt in my home state.
- A copy of the original agreement, contract, or credit application showing my signature.
Because I reside in Texas, this collection activity is also subject to the Texas Finance Code Chapter 392. Under Texas law, debt collection regulations apply to both third-party collectors and original creditors.
You must cease collection activities and respond within 30 days of receiving this request.
Furthermore, please cease all telephone contact with me regarding this account. Under federal law, I request that you communicate solely via written mail to preserve a paper record of these contacts.
Thank you for your cooperation in this matter.
Florida Consumer Collection Practices Act (FCCPA)
Florida consumers are protected by both the federal FDCPA and the Florida Consumer Collection Practices Act (Fla. Stat. § 559.55–559.785). The FCCPA is broader than federal law because it prohibits unlawful debt collection conduct by any person collecting a debt—including original creditors.
Key Protections Under the FCCPA
- Prohibits Contacting Employers: Collectors cannot contact your employer before obtaining a final court judgment against you.
- Bans After-Hours Harassment: Calls between 9:00 PM and 8:00 AM in your local Florida timezone are strictly illegal.
- Private Right of Action: You can sue in Florida state courts to recover actual damages, $1,000 statutory damages, and attorney's fees.
Frequently Asked Questions
Does Florida's FCCPA apply to original creditors?
Yes. The Florida Consumer Collection Practices Act (Fla. Stat. § 559.72) applies to ANY person or entity attempting to collect a consumer debt in Florida, including original creditors.
What is the statute of limitations on debt in Florida?
Under Florida Statute § 95.11(2)(b), the statute of limitations for filing a lawsuit on written debt contracts and credit cards is 5 years.
Can I recover statutory damages under Florida law?
Yes. Under Fla. Stat. § 559.77, a consumer can recover actual damages, up to $1,000 in statutory damages, punitive damages, and attorney's fees for violations of the FCCPA.