Debt Collectors Law in Florida

Florida law requires debt collectors to:
Send a written notice within five days after you are first contacted, telling you the amount of money you owe. The notice must also specify the name of the creditor to whom you owe the money and what action you should take if you believe you do not owe the money.
Limit their calls to reasonable times, such as before 8 a.m. or after 9 p.m., unless you agree to a different time.
Stop contacting you if you write a letter to the agency telling them to stop. Once the agency receives your letter, they may not contact you again except to say there will be no further contact, or to notify you if the debt collector or the creditor intends to take some specific action, such as file a lawsuit.
Stop contacting you if you say you don't owe the money unless they send proof of the debt, such as a copy of the bill. Also, a debt collector can not harass or abuse anyone. They cannot:
Use threats of violence against the person, property or reputation.
Use obscene or profane language.
Advertise the debt.
Repeatedly or continuously make telephone calls with the intent to harass or abuse the person at the called number.
Tell you that you will be arrested if you do not pay; that they will seize, garnish, attach, or sell your property or wages unless the collection agency or creditor intends to do so and has a legal right to do so; or that a lawsuit will be filed against you, when they have no legal right to file or do not intend to file such a suit.
Also, debt collectors must accurately disclose their identities to the person at the called number. They may not use false statements, such as falsely implying that they are attorneys, that you have committed a crime, or that they operate or work for a credit bureau or misrepresenting the amount of your debt. They cannot indicate the involvement of an attorney in collecting a debt or indicate that papers sent to you are legal forms when they are not.
The Florida provisions are similar to those in place nationally under the Fair Debt Collection Practices Act.