Florida Consumer Collection Practices Act: Privacy-Related Prohibited Practices

Florida's debt collection law, which covers creditors as well as collection agencies. Several of its rules protect debtor privacy: limits on contacting employers, on disclosing debts to third parties, on publishing 'deadbeat lists' or using embarrassing envelopes, and a ban on contacting debtors between 9 p.m. and 8 a.m. without consent (revised in 2025 to exempt e-mails that otherwise comply).