Legal Question in Credit and Debt Law in Florida

Re: late credit card payment-threat

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It does sound as if a collector overstepped his bounds. Collectors are not allowed to make unwarranted threats or any of many other prohibited practices under the United States Fair Debt Collection Practices Act. A good summary of allowable and prohibited procedures can be found on wiki at:

http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act

If a collector violates the act, they may be liable for damages up to $1,000.00 for each violation.

Scott R. Jay, Esq.