The 2023 Florida Statutes (including Special Session C)

Title XXXIII
REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATIONS

Chapter 559
REGULATION OF TRADE, COMMERCE, AND INVESTMENTS, GENERALLY

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F.S. 559.72

559.72 Prohibited practices generally.—In collecting consumer debts, no person shall:

(1) Simulate in any manner a law enforcement officer or a representative of any governmental agency.

(2) Use or threaten force or violence.

(3) Tell a debtor who disputes a consumer debt that she or he or any person employing her or him will disclose to another, orally or in writing, directly or indirectly, information affecting the debtor’s reputation for credit worthiness without also informing the debtor that the existence of the dispute will also be disclosed as required by subsection (6).

(4) Communicate or threaten to communicate with a debtor’s employer before obtaining final judgment against the debtor, unless the debtor gives her or his permission in writing to contact her or his employer or acknowledges in writing the existence of the debt after the debt has been placed for collection. However, this does not prohibit a person from telling the debtor that her or his employer will be contacted if a final judgment is obtained.

(5) Disclose to a person other than the debtor or her or his family information affecting the debtor’s reputation, whether or not for credit worthiness, with knowledge or reason to know that the other person does not have a legitimate business need for the information or that the information is false.

(6) Disclose information concerning the existence of a debt known to be reasonably disputed by the debtor without disclosing that fact. If a disclosure is made before such dispute has been asserted and written notice is received from the debtor that any part of the debt is disputed, and if such dispute is reasonable, the person who made the original disclosure must reveal upon the request of the debtor within 30 days the details of the dispute to each person to whom disclosure of the debt without notice of the dispute was made within the preceding 90 days.

(7) Willfully communicate with the debtor or any member of her or his family with such frequency as can reasonably be expected to harass the debtor or her or his family, or willfully engage in other conduct which can reasonably be expected to abuse or harass the debtor or any member of her or his family.

(8) Use profane, obscene, vulgar, or willfully abusive language in communicating with the debtor or any member of her or his family.

(9) Claim, attempt, or threaten to enforce a debt when such person knows that the debt is not legitimate, or assert the existence of some other legal right when such person knows that the right does not exist.

(10) Use a communication that simulates in any manner legal or judicial process or that gives the appearance of being authorized, issued, or approved by a government, governmental agency, or attorney at law, when it is not.

(11) Communicate with a debtor under the guise of an attorney by using the stationery of an attorney or forms or instruments that only attorneys are authorized to prepare.

(12) Orally communicate with a debtor in a manner that gives the false impression or appearance that such person is or is associated with an attorney.

(13) Advertise or threaten to advertise for sale any debt as a means to enforce payment except under court order or when acting as an assignee for the benefit of a creditor.

(14) Publish or post, threaten to publish or post, or cause to be published or posted before the general public individual names or any list of names of debtors, commonly known as a deadbeat list, for the purpose of enforcing or attempting to enforce collection of consumer debts.

(15) Refuse to provide adequate identification of herself or himself or her or his employer or other entity whom she or he represents if requested to do so by a debtor from whom she or he is collecting or attempting to collect a consumer debt.

(16) Mail any communication to a debtor in an envelope or postcard with words typed, written, or printed on the outside of the envelope or postcard calculated to embarrass the debtor. An example of this would be an envelope addressed to “Deadbeat, Jane Doe” or “Deadbeat, John Doe.”

(17) Communicate with the debtor between the hours of 9 p.m. and 8 a.m. in the debtor’s time zone without the prior consent of the debtor.

(a) The person may presume that the time a telephone call is received conforms to the local time zone assigned to the area code of the number called, unless the person reasonably believes that the debtor’s telephone is located in a different time zone.

(b) If, such as with toll-free numbers, an area code is not assigned to a specific geographic area, the person may presume that the time a telephone call is received conforms to the local time zone of the debtor’s last known place of residence, unless the person reasonably believes that the debtor’s telephone is located in a different time zone.

(18) Communicate with a debtor if the person knows that the debtor is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney’s name and address, unless the debtor’s attorney fails to respond within 30 days to a communication from the person, unless the debtor’s attorney consents to a direct communication with the debtor, or unless the debtor initiates the communication.

(19) Cause a debtor to be charged for communications by concealing the true purpose of the communication, including collect telephone calls and telegram fees.

History.—s. 18, ch. 72-81; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 1, 6, ch. 81-314; ss. 2, 3, ch. 81-318; ss. 1, 3, ch. 83-265; ss. 7, 13, ch. 93-275; s. 819, ch. 97-103; s. 1, ch. 2001-206; s. 4, ch. 2010-127.

F.S. 559.72 on Google Scholar

F.S. 559.72 on Casetext

Amendments to 559.72

Arrestable Offenses / Crimes under Fla. Stat. 559.72

Level: Degree
Misdemeanor/Felony: First/Second/Third

Current data shows no reason an arrest or criminal charge should have occurred directly under Florida Statute 559.72.

Annotations, Discussions, Cases:

Cases from cite.case.law:

MEYER, v. FAY SERVICING, LLC LLC,, 385 F. Supp. 3d 1235 (M.D. Fla. 2019)

. . . . § 559.72(9). (Docs. 7 at 4-5; 12 at 6). . . . Stat. § 559.72(9) -carries the day. . . . Stat. § 559.72(9). . . . Stat. § 559.72(9) (emphasis added). . . . Stat. § 559.72(9), Counts II and IV are dismissed. . . .

MARCHISIO, v. CARRINGTON MORTGAGE SERVICES, LLC,, 919 F.3d 1288 (11th Cir. 2019)

. . . In particular, Florida Statute Section 559.72 provides: In collecting consumer debts, no person shall . . . Stat. § 559.72. . . . Plaintiffs allege that, in violation of § 559.72(9), Defendant attempted to collect a debt that Defendant . . . In analyzing Defendant's potential liability under § 559.72(9), the district court assumed that "the . . . Stat. § 559.72(9). . . .

VERIZON WIRELESS PERSONAL COMMUNICATIONS, LP, v. BATEMAN,, 264 So. 3d 345 (Fla. App. Ct. 2019)

. . . to collect a debt previously discharged in the bankruptcy court, in violation of the FCCPA, section 559.72 . . . This statute imposes legal duties on consumer debt collectors. § 559.72 ; Morgan v. . . . Accordingly, the alleged statutory violations addressed under section 559.72 arose from Verizon's collection . . . BAC Home Loans Servicing LP, 145 So.3d 906, 910 (Fla. 2d DCA 2014) ; see also § 559.72 (providing that . . .

L. SHAFFER, v. SERVIS ONE, INC. d b a BSI M. P. A. LLC,, 347 F. Supp. 3d 1039 (M.D. Fla. 2018)

. . . . § 559.72(18), and that Plaintiff's claim that BSI should have sent communications to Plaintiff's lawyer . . .

D. DANIEL, v. NAVIENT SOLUTIONS, LLC,, 328 F. Supp. 3d 1319 (M.D. Fla. 2018)

. . . . § 559.72 (Count V), violation of the Illinois Consumer Fraud and Deceptive Practices Act, 815 ILCS . . .

BAILEY, v. ROCKY MOUNTAIN HOLDINGS, LLC,, 889 F.3d 1259 (11th Cir. 2018)

. . . alleges that AMC violated the Florida Consumer Collections Practices Act ("FCCPA"), Florida Statutes § 559.72 . . . Florida Statutes § 559.72(9) provides: "In collecting consumer debts, no person shall ... . . . In a single sentence in Count IV, Bailey alleged that AMC violated Florida Statutes § 559.72(18), which . . .

LEAR, v. SELECT PORTFOLIO SERVICING, INC., 309 F. Supp. 3d 1237 (S.D. Fla. 2018)

. . . . § 559.72(18). . . .

R. CABRERA, v. HAIMS MOTORS, INC., 288 F. Supp. 3d 1315 (S.D. Fla. 2017)

. . . "Section 559.72, entitled 'Prohibited practices generally,' lists [nineteen] debt collection actions . . . In this case, Plaintiff claims that Defendant has violated Section 559.72(9), which states: "In collecting . . . With respect to determining what constitutes a misrepresentation of a legal right under Section 559.72 . . . To establish a violation under Section 559.72(9) of the FCCPA, "it must be shown that a legal right that . . .

A. MILLER, v. GINNY S INC., 287 F. Supp. 3d 1324 (M.D. Fla. 2017)

. . . . § 227(b)(1)(A)(iii), and the Florida Consumer Collection Practices Act ("FCCPA"), § 559.72 of the Florida . . . Harassing Phone Calls Section 559.72(7) of the FCCPA prohibits people collecting consumer debts from . . . Practices Act ("FDCPA")," district courts have applied the standards of the FDCPA when interpreting section 559.72 . . . stop calling her, and, therefore, summary judgment cannot be granted on Miller's claim under section 559.72 . . . Asserting a Legal Right that Does Not Exist Section 559.72(9) of the FCCPA prohibits people collecting . . .

CORNETTE, v. I. C. SYSTEM, INC. M. D., 280 F. Supp. 3d 1362 (S.D. Fla. 2017)

. . . . § 559.72(9) Plaintiff asserts FCCPA claims against both ICS and MD .Now. . . . Stat. § 559.72; Cook v. Blazer Fin.Servs., Inc., 332 So.2d 677, 679 (Fla. Dist. Ct. App. 1976). . . . To show a violation of section 559.72(9), “it must be shown that a' legal right that did not exist was . . .

HARRINGTON, v. ROUNDPOINT MORTGAGE SERVICING CORPORATION SFR LLC,, 290 F. Supp. 3d 1306 (M.D. Fla. 2017)

. . . ." § 559.72(7), Fla. Stat. . . . In arguing that RoundPoint violated section 559.72(7), Harrington relies largely on the number of calls . . . ever answered, the repeated calling and leaving of messages does not rise to the level of a section 559.72 . . . that RoundPoint's calls from May 28, 2013, to May 5, 2014, were abusive or harassing under section 559.72 . . .

CASTELLANOS, v. PORTFOLIO RECOVERY ASSOCIATES, LLC,, 297 F. Supp. 3d 1301 (S.D. Fla. 2017)

. . . . § 559.72(9) (Count IV). . . . Stat. § 559.72(18). Courts have interpreted Sections 1692c(a)(2) and 559.72(18) in similar fashion. . . . Stat. § 559.72(18). . . . Stat. § 559.72(9). . . . Stat. § 559.72(9), like Fla. . . .

SOLIS, v. CITIMORTGAGE, INC. P. I. W., 699 F. App'x 891 (11th Cir. 2017)

. . . . § 559.72(5), (9). . . .

SOLIS, v. CITIMORTGAGE, INC. P. L. W., 700 F. App'x 965 (11th Cir. 2017)

. . . . § 559.72(18). . . . . § 559.72(9), and disclosing information affecting the debtor’s reputation to a third party other than . . . family if the third party does not have a legitimate business need or if the information is false, id. § 559.72 . . . Stat. §§ 559.72(18), 559.77(4) (providing a two-year statute of limitations for these FCCPA claims). . . .

OWENS- BENNIEFIELD, v. NATIONSTAR MORTGAGE LLC,, 258 F. Supp. 3d 1300 (M.D. Fla. 2017)

. . . on the debt, while knowing that this information was false” and “violated section 559.72(9) by attempting . . . Sections 559.72(5) and (6) provide that a person, in collecting a debt, shall not: (5) Disclose to a . . . Stat. § 559.72(5)-(6). . . . Section 559.72(9) prohibits a person, collecting’ a debt from “[c]laim[ing], attempting], or threatening . . . Fla. 2016)(holding plaintiff debtor had plausibly alleged violation of section 559.72(9) where she alleged . . .

ALHASSID, v. NATIONSTAR MORTGAGE, LLC, d. b. a., 688 F. App'x 803 (11th Cir. 2017)

. . . . § 559.72(9) (“FCCPA”), by sending her threatening, false letters regarding the flood insurance requirement . . .

VALLE, v. FIRST NATIONAL COLLECTION BUREAU, INC., 252 F. Supp. 3d 1332 (S.D. Fla. 2017)

. . . Count Two of the Complaint alleges that the Defendant violated Florida Statute § 559.72(9), which prohibits . . . Second, the Plaintiff alleges that the Defendant violated § 559.72(9) because the collection letter did . . . Finally, the Plaintiff alleges that the Defendant violated § 559.72(9) because the Defendant unlawfully . . .

R. LIMA, v. BANK OF AMERICA, N. A. PLLC, L. G., 249 F. Supp. 3d 1308 (S.D. Fla. 2017)

. . . . § 559.72 et seq. . . . FCCPA Lima has not stated a viable claim that Defendants violated Section 559.72(9) of the FCCPA. . . . Section 559.72(9) provides that no person shall “[c]laim, attempt, or threaten to enforce a debt when . . . Fla.- Stat. § 559.72(9). . . .

HELMAN, v. BANK OF AMERICA, BAC LP, f. k. a. LP,, 685 F. App'x 723 (11th Cir. 2017)

. . . . § 559.72 et seq.; (2) a violation of the Florida Unfair and Deceptive Trade Practices Act, Fla. . . . Stat. § 559.72(9), which provides: In collecting consumer debts, no person shall ... . . .

HELMAN, v. BANK OF AMERICA, BAC LP, f. k. a. LP,, 685 F. App'x 723 (11th Cir. 2017)

. . . . § 559.72 et seq.; (2) a violation of the Florida Unfair and Deceptive Trade Practices Act. Fla. . . . Stat. § 559.72(9), which provides: In collecting consumer debts, no person shall ... . . .

PRESCOTT, v. SETERUS, INC., 684 F. App'x 947 (11th Cir. 2017)

. . . . § 559.72(9). . . . 1151, 1155 (Fla. 2d DCA 2012) (“Thus, for example, a plaintiff may establish a violation of section 559.72 . . .

FINSTER, v. U. S. BANK NATIONAL ASSOCIATION,, 245 F. Supp. 3d 1304 (M.D. Fla. 2017)

. . . Bank pursuant to section 559.72(9) of the FCCPA. See Amended Complaint at 9-10. . . . Stat. § 559.72(9) (emphasis added). . . . Unifund OCR Partners, 601 F.3d 1185, 1192 n.12 (11th Cir. 2010) (“Section 559.72(9) of the FCCPA requires . . . Bank violated section 559.72(9) in the following ways: by attempting to repudiate the loan modification . . .

IN RE K. WILLIAMS, K. v. LLC,, 564 B.R. 770 (Bankr. S.D. Fla. 2017)

. . . . § 227(b)(1)), the Florida Consumer Collection Practices Act (Florida Statutes § 559.72(9)) and the . . .

GARRISON, v. CALIBER HOME LOANS, INC., 233 F. Supp. 3d 1282 (M.D. Fla. 2017)

. . . . § 1692c(a)(2) and Florida Statutes, § 559.72(18) by communicating with Plaintiff about the Loan when . . . Florida Statutes, § 559.72(7) by engaging in conduct and repeatedly communicating with Plaintiff in a . . . Florida Statutes, §§ 559.72(5)' and (9) by disclosing information concerning Plaintiffs credit reputation . . .

MICHAEL, v. HOVG, LLC,, 232 F. Supp. 3d 1229 (S.D. Fla. 2017)

. . . . § 559.72 states that no person shall “[c]laim, attempt, or threaten to enforce a debt when such person . . . Ann. § 559.72(9). . . . Ann. § 559.72(9) however, survive, as the least sophisticated consumer may plausibly believe that the . . .

A. AGRELO, M. v. AFFINITY MANAGEMENT SERVICES, LLC, a a a. k. a. P. A,, 841 F.3d 944 (11th Cir. 2016)

. . . . § 559.72(9) by demanding payment of a debt that it knew was illegitimate and Fla. . . . Stat. § 559.72 (regulating the conduct of any “person” collecting debts). . . . Stat. § 559.72(9). . . . . Stat. § 559.72(18). . . . . Stat. § 559.72(15). . . . .

BANK OF AMERICA, N. A. BAC LP, f k a LP, v. C. SIEFKER a k a CCM, 201 So. 3d 811 (Fla. Dist. Ct. App. 2016)

. . . statutes not applicable here provide for administrative and civil remedies for violations of section 559.72 . . .

BRAY v. PNC BANK, N. A., 196 F. Supp. 3d 1282 (M.D. Fla. 2016)

. . . FCCPA (Count III) In Count III, Plaintiffs assert a claim for violations of subsection 559.72(18) of . . . Stat. § 559.72(18).” Nordwall v. PNC Mortg., No. 2:14-v-747-FtM-CM, 2015 WL 4095350, at *3 (M.D. . . . bankruptcy case in which the plaintiff was represented were sufficient to state a claim under subsection 559.72 . . .

PRESCOTT, v. SETERUS, INC., 194 F. Supp. 3d 1290 (S.D. Fla. 2016)

. . . . § 559.72(9) (emphasis added). . . . Put another way, “[t]o establish a violation under section 559.72(9) of the FCCPA, [as opposed to its . . . Absent evidence of actual knowledge, Seterus cannot be held liable under' section 559.72(9). . . . Stat. § 559.72(9)”). . . . ipso facto amounted to “attempting to collect a debt that they knew was not legitimate” under section 559.72 . . .

TACORONTE, v. B. COHEN, P. A., 654 F. App'x 445 (11th Cir. 2016)

. . . for the following reasons: • “[Plaintiff] does not delineate how either defendant violated section 559.72 . . . same reasons stated above with respect to [Plaintiffs FDCPA claims], [Plaintiffs] claims under section 559.72 . . . Plaintiff] has not filed any material with the Court that would explain the basis for [her] claim [under § 559.72 . . . ] First Amended Complaint is devoid of any fact that would even tend to support [] a claim [under § 559.72 . . .

TACORONTE, v. B. COHEN, P. A., 654 F. App'x 445 (11th Cir. 2016)

M. HAYES, Y. v. U. S. BANK NATIONAL ASSOCIATION, JP N. A. LLC, P. I., 648 F. App'x 883 (11th Cir. 2016)

. . . . §§ 559.715 and 559.72, by failing to provide notice of assignment and by attempting to collect a non-legitimate . . .

HARRINGTON, v. ROUNDPOINT MORTGAGE SERVICING CORPORATION SFR LLC,, 178 F. Supp. 3d 1255 (M.D. Fla. 2016)

. . . RoundPoint allegedly violated § 559.72(7) by calling Plaintiff and his family with such frequency as . . . RoundPoint also allegedly violated § 559.72(18) by calling Plaintiff when it knew an attorney represented . . . But after Plaintiff conceded the § 559.72(18) violation should be dismissed, the Court granted Defendants . . . The Court dismissed the § 559.72(18) violation and limited Plaintiffs recovery to statutory damages not . . .

MCCASKILL, v. NAVIENT SOLUTIONS, INC., 178 F. Supp. 3d 1281 (M.D. Fla. 2016)

. . . Stat. § 559.72(9). . . . Stat. § 559.72(7). . . . Stat. § 559.72(7). . . . Stat. § 559.72(9). . . . Stat. § 559.72(9). . . .

PINSON, v. JP MORGAN CHASE BANK, a CPCC An a. k. a. CPCC CO, C. P. A., 646 F. App'x 812 (11th Cir. 2016)

. . . . § 559.72. . . . Pinson on the FCCPA claims, the court declined to exercise supplemental jurisdiction and dismissed the § 559.72 . . .

S. STRAUSS, v. CBE GROUP, INC., 173 F. Supp. 3d 1302 (S.D. Fla. 2016)

. . . mean that an “alleged debtor” is protected by the Act from the prohibited practices set forth in § 559.72 . . .

KINLOCK, v. WELLS FARGO BANK, N. A. N. A. d. b. a. N. A. d. b. a., 636 F. App'x 785 (11th Cir. 2016)

. . . . § 559.72. He appeals pro se this disposition. We affirm. . . . Fla, Stat. §§ 559.72(2), (6). ' “Debt” is defined as “any obligation or alleged obligation of a consumer . . . Stat. §§ 559.55, 559.72. . . .

HARRINGTON, v. ROUNDPOINT MORTGAGE SERVICING CORPORATION SFR LLC,, 163 F. Supp. 3d 1240 (M.D. Fla. 2016)

. . . RoundPoint allegedly violated § 559.72(7) by calling Plaintiff and his family with such frequency as . . . Round-Point also allegedly violated § 559.72(18) by calling Plaintiff when it knew an attorney represented . . . Plaintiffs claims that predate May 28, 2013, RoundPoint argues that Plaintiffs allegations under § 559.72 . . . Stat. § 559.72(18). Plaintiff agrees and withdraws that claim. (Doc. #39 at 16). 2. . . . Statutory Damages Under the FCCPA, ‘[a]ny person who fails to comply with any provision of § 559.72 is . . .

CONIGLIO, v. BANK OF AMERICA, NA, a f. k. a. BAC LP,, 638 F. App'x 972 (11th Cir. 2016)

. . . . § 559.72(18). . . .

LEAHY- FERNANDEZ, v. BAYVIEW LOAN SERVICING, LLC,, 159 F. Supp. 3d 1294 (M.D. Fla. 2016)

. . . Specifically as to the FCCPA Count, Leahy-Fernandez alleges Bayview violated Sections 559.72(7), (9), . . . with respect to the Debt, (3) Leahy-Fernandez’s claims under Section 1692d of the FDCPA and Section 559.72 . . . extent it seeks dismissal of Leahy-Fernan-dez’s claims under Section 1629d of the FDCPA and Section 559.72 . . . Illegitimate Debt Bayview argues “there is no basis to claim the [D]ebt is not ‘legitimate’ under § 559.72 . . . Section 559.72(9) states a debt collector may not “[e]laim, attempt, or threaten to enforce a debt when . . .

DANIEL, v. SELECT PORTFOLIO SERVICING, LLC,, 159 F. Supp. 3d 1333 (S.D. Fla. 2016)

. . . . § 559.72. . . . To establish a violation under section 559.72(9) of the FCCPA, “it must be shown that a legal right that . . .

STANLEY, v. KANSAS COUNSELORS OF KANSAS CITY,, 639 F. App'x 589 (11th Cir. 2016)

. . . . § 559.72 (FCCPA). . . .

BRINDISE v. U. S. BANK NATIONAL ASSOCIATION,, 183 So. 3d 1215 (Fla. Dist. Ct. App. 2016)

. . . Section 559.72 prohibits specified debt collection practices. . . . See, e.g., § 559.72(2), (5), (6), (8), (17); Dish Network, 87 So.3d at 74 (stating-a claim that Dish . . . willfully engaged in conduct that could reasonably be expected to abuse or harass in violation of section 559.72 . . . attempted to collect a debt while knowing that it was not a legitimate debt in violation of section 559.72 . . . Indeed, the prohibitions in section 559.72 do not include the alleged failure to give notice. . . .

RAMOS v. CACH, LLC,, 183 So. 3d 1149 (Fla. Dist. Ct. App. 2015)

. . . See §§ 559.715; 559.72, Fla. Stat. (2010). . . . in section 559.715: (1) CACH’s violation of the notice provision constitutes a violation of section 559.72 . . . The FCCPA creates a civil remedy only for a violation of § 559.72— Absent an indication of legislative . . . Weakening Ramos’ argument further, section 559.72 currently makes no reference to the FCCPA’s notice . . . Section 559.72(9) states: "In collecting consumer debts, no person shall: Claim, attempt, or threaten . . .

PRESCOTT, v. SETERUS, INC., 635 F. App'x 640 (11th Cir. 2015)

. . . estimated attorney’s fees in his reinstatement balance violated §§ 1692e(2) and 1692f(1) of the FDCPA and § 559.72 . . . Stat. § 559.72(9). . . .

BAILEY, v. ROCKY MOUNTAIN HOLDINGS, LLC,, 136 F. Supp. 3d 1376 (S.D. Fla. 2015)

. . . . § 559.72, el seq., (Count IV) and unjust enrichment (Count V). . . .

L. PEARSON, v. CONVERGENT OUTSOURCING, INC., 132 F. Supp. 3d 1355 (M.D. Fla. 2015)

. . . . § 559.72(9). . . .

WALKER, v. CREDIT PROTECTION ASSOCIATION, LP,, 309 F.R.D. 668 (M.D. Fla. 2015)

. . . . § 559.72(7). II. . . .

BOHRINGER, v. BAYVIEW LOAN SERVICING, LLC,, 141 F. Supp. 3d 1229 (S.D. Fla. 2015)

. . . FCCPA”), Florida Statute section 559.55 et seq., on the ground Bayview violated Florida Statute section 559.72 . . . FCCPA Claim Count V seeks relief under Florida Statute section 559.72(9), which provides, “[i]n collecting . . . Stat. § 559.72(9) (alterations added). . . .

ARIANAS, v. LVNV FUNDING LLC., 132 F. Supp. 3d 1322 (M.D. Fla. 2015)

. . . . § 559.72(7), (9). . . . Stat. § 559.72(7) states, “In collecting consumer debts, no person shall ... . . . Stat. § 559.72. . . . Household Bank, Ltd., 969 So.2d 509, 512 (Fla. 1st DCA 2007) (denying summary judgment on § 559.72(7) . . . (9) Arianas’ claim also implicates § 559.72(9), which states, “In collecting consumer debts, no person . . .

BERKSETH v. CONTINENTAL CENTRAL CREDIT, INC., 119 F. Supp. 3d 1316 (M.D. Fla. 2015)

. . . Florida Statutes, § 559.72(10) of the CCPA provides: ' In collecting consumer debts, no person shall: . . . Count I alleged a violation of Florida Statutes, section 559.72(7) — collecting a consumer debt by abuse . . .

BAILEY, v. ROCKY MOUNTAIN HOLDINGS, LLC,, 309 F.R.D. 675 (S.D. Fla. 2015)

. . . . § 559.72, et seq., (hereinafter “FCCPA”) (Count IV) and unjust enrichment (Count V). . . . Stat. § 559.72(9). . . .

MARTORELLA, v. DEUTSCHE BANK NATIONAL TRUST COMPANY,, 161 F. Supp. 3d 1209 (S.D. Fla. 2015)

. . . . § 559.72(9). . . .

MANRIQUE, v. WELLS FARGO BANK N. A. LLC,, 116 F. Supp. 3d 1320 (S.D. Fla. 2015)

. . . . § 559.72(9). See also Fla. . . .

GOODIN J. v. BANK OF AMERICA N. A., 114 F. Supp. 3d 1197 (M.D. Fla. 2015)

. . . . § 559.72(9) (2014). . . .

IN RE RUNYAN v. LLC,, 530 B.R. 801 (Bankr. M.D. Fla. 2015)

. . . . § 559.72(1)-(19), Fla. Stat. . Id. at § 559.72(7), (18). . . . Id. § 559.72(9). But she abandoned this theory at trial. . Jeter v. . . . Id. at 105:21-22. . § 559.72(18), Fla. Stat. . Adv. Doc. No. 52 at 106:5-17. . Id. at 101-112. . . .

ROJAS, v. LAW OFFICES OF DANIEL C. CONSUEGRA, P. L. O, 142 F. Supp. 3d 1206 (M.D. Fla. 2015)

. . . Rojas cites Section 559.72, Florida Statutes, which provides: “In collecting consumer debts, no person . . .

WILLIAMS, v. EDUCATIONAL CREDIT MANAGEMENT CORPORATION, 88 F. Supp. 3d 1338 (M.D. Fla. 2015)

. . . Stat. § 559.72(3) Florida Statutes § 559.72(3) provides that “no person shall ... . . . Stat. § 559.72(7) Florida Statutes § 559.72(7) provides that “no person shall ... . . . Stat. § 559.72(9) Florida Statutes § 559.72(9) provides that “no person shall ... . . . Stat. § 559.72(18) Florida Statutes § 559.72(18) generally prohibits a person who is attempting to collect . . . The violations of Florida Statutes §§ 559.72(7) and 559.72(18) alleged in Count I are hereby DISMISSED . . .

TACORONTE, v. B. COHEN, P. A., 594 F. App'x 605 (11th Cir. 2015)

. . . . § 559.72; and Count III, a claim under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq . . .

SOLIS, v. GLOBAL ACCEPTANCE CREDIT COMPANY, L. P. a P. L. a J., 601 F. App'x 767 (11th Cir. 2015)

. . . . § 559.72, by disclosing a disputed debt to the credit bureaus. . . .

ARIANAS, v. LVNV FUNDING LLC., 54 F. Supp. 3d 1308 (M.D. Fla. 2014)

. . . The relevant part of the FCCPA states “any person who fails to comply with any provision of § 559.72 . . .

GANN, v. BAC HOME LOANS SERVICING LP, n k a N. A., 145 So. 3d 906 (Fla. Dist. Ct. App. 2014)

. . . in its collections actions and communications to her the Bank violated the FCCPA, including section 559.72 . . . With reference to section 559.72(9), the gist of Gann’s claim is that the Bank sought to enforce a debt . . . In the section allowing for civil remedies against a person violating the provisions of section 559.72 . . . The court then went on to consider whether presuit letters or notices violated section 559.72(9). . . . Motors Acceptance Corp., 819 So.2d 809, 812 (Fla. 4th DCA 2002); see also § 559.72 (providing that “[ . . .

NEPTUNE, v. WHETSTONE PARTNERS, LLC, d b a, 34 F. Supp. 3d 1247 (S.D. Fla. 2014)

. . . . § 559.72(7) Plaintiff claims that Defendant’s actions violated Fla. . . . Stat. § 559.72(7). . . . Stat. § 559.72(9) Plaintiff also claims that Defendant’s actions violated Fla. . . . . § 559.72(9), which provides that “[i]n collecting consumer debts, no person shall [c]laim, attempt, . . . Stat. § 559.72(9). . . .

STATE v. BEACH BLVD AUTOMOTIVE, INC. a a O. Sr., 139 So. 3d 380 (Fla. Dist. Ct. App. 2014)

. . . person has been named in a consumer complaint pursuant to subsection (3) alleging violations of s. 559.72 . . .

V. BROOK, v. CHASE BANK USA, N. A., 566 F. App'x 787 (11th Cir. 2014)

. . . bankruptcy judge found that Chase, while attempting to collect the credit card debt, violated Sections 559.72 . . . (7) and 559.72(18) of the FCCPA. . . .

V. BROOK, v. CHASE BANK USA, N. A., 566 F. App'x 787 (11th Cir. 2014)

. . . bankruptcy judge found that Chase, while attempting to collect the credit card debt, violated Sections 559.72 . . . (7) and 559.72(18) of the FCCPA. . . .

LARDNER, v. DIVERSIFIED CONSULTANTS INC., 17 F. Supp. 3d 1215 (S.D. Fla. 2014)

. . . . § 559.72(7). . . .

P. REED, v. MORGAN DREXEN, INC., 26 F. Supp. 3d 1287 (S.D. Fla. 2014)

. . . . § 1692d(6), (e)(ll); 559.72 Fla. .-Stat. . . . Stat. 559.72(9) which prohibits attempting to collect a debt which the debt collector knows to be invalid . . . or otherwise unenforceable; and § 559.72(7) which prohibits a debt collector from “willfully communicatfing . . .

DEUTSCHE BANK NATIONAL TRUST COMPANY, LLC v. J. FOXX, J. J. v. LLC,, 971 F. Supp. 2d 1106 (M.D. Fla. 2013)

. . . In addition to these elements, several subsections of § 559.72 require an allegation of knowledge or . . . Foxx sets forth verbatim the conduct proscribed by the statutory language of § 559.72, which describes . . .

KASS SHULER, P. A. v. BARCHARD, D. LLC,, 120 So. 3d 165 (Fla. Dist. Ct. App. 2013)

. . . . § 1692, and the Florida Consumer Collection Practices Act, section 559.72, Florida Statutes (2009). . . .

IN RE ACOSTA- GARRIGA, V. v. USA N. A., 506 B.R. 149 (M.D. Fla. 2013)

. . . trustee, the bankruptcy judge found that Chase, while attempting to collect the debt, violated Sections 559.72 . . . (7) and 559.72(18) of the Florida Consumer Collection Practices Act (FCCPA). . . .

HIXSON, v. FRENCH, Co. MBS, 517 F. App'x 767 (11th Cir. 2013)

. . . . § 559.72(9). The parties consented to a bench trial before the district court. . . . Stat. § 559.72(9), but the Hixsons indisputably failed to satisfy their outstanding debt to Citimortgage . . .

MARTORELLA, v. DEUTSCHE BANK NATIONAL TRUST COMPANY,, 931 F. Supp. 2d 1218 (S.D. Fla. 2013)

. . . . § 559.72 (“FCCPA”) (Counts IXX); and • Defendant AHMSI was unjustly enriched (Count XI). . . . Stat. § 559.72(9), which makes it unlawful to “[c]laim, attempt, or threaten to enforce a debt when such . . .

FINI, v. DISH NETWORK L. L. C., 955 F. Supp. 2d 1288 (M.D. Fla. 2013)

. . . First, the Court cannot determine whether Defendant violated § 559.72(7) because of the frequency of . . . Defendant may also be liable under section 559.72(9) because Defendant may have “know[n]” that the debt . . . Neither party disputes that any violation of section 559.72(9) was, at least initially, the result of . . . Florida Statute § 559.72(7) forbids any "person” from: Willfully communicating] with the debtor or any . . . Stat. § 559.72(9). . See Delivery Restrictions, 47 C.F.R. § 64.1200(a)(2)(iii) (“No person may ... . . .

A. KINSEY, v. MLH FINANCIAL SERVICES, INC. A. v. MLH, 509 F. App'x 852 (11th Cir. 2013)

. . . . § 559.72 (“FCCPA”), and other Florida state-law provisions. . . . Stat. § 559.72. . . .

YUNKER, v. ALLIANCEONE RECEIVABLES MANAGEMENT, INC., 701 F.3d 369 (11th Cir. 2012)

. . . . § 559.72. . . .

POITEVINT, Sr. v. UNITED RECOVERY SYSTEMS, LP,, 899 F. Supp. 2d 1230 (N.D. Fla. 2012)

. . . In Count IV, Plaintiff alleges that Defendant “violated § 559.72(7) of the Florida Consumer Collections . . .

BALDWIN, v. REGIONS FINANCIAL CORPORATION, a, 98 So. 3d 1210 (Fla. Dist. Ct. App. 2012)

. . . Baldwin filed a putative class action alleging that Regions violated section 559.72(16), Florida Statutes . . . section 559.77(2), which provides as follows: Any person who fails to comply with any provision of s. 559.72 . . . additional statutory damages, the court shall consider the nature of the defendant’s noncompliance with s. 559.72 . . . Section 559.72 provides: "In collecting consumer debts, no person shall: ... (16) Mail any communication . . .

O. DURAN, v. WELLS FARGO BANK, N. A. s b m d b a s, 878 F. Supp. 2d 1312 (S.D. Fla. 2012)

. . . . § 559.72(18) prohibits debt collectors from communicating with a debtor if that collector knows that . . .

ACOSTA, v. JAMES A. GUSTINO, P. A. A. P. A. T. F., 478 F. App'x 620 (11th Cir. 2012)

. . . . § 559.72(9). . . .

DISH NETWORK SERVICE L. L. C. v. MYERS,, 87 So. 3d 72 (Fla. Dist. Ct. App. 2012)

. . . could reasonably be expected to abuse or harass him or a member of his family in violation of section 559.72 . . . attempted to collect a debt while knowing that it was not a legitimate debt in violation of section 559.72 . . . Myers or a member of his family in violation of section 559.72(7). It awarded Mr. . . .

READ, v. MFP, INC. d b a, 85 So. 3d 1151 (Fla. Dist. Ct. App. 2012)

. . . (7) or section 559.72(9). . . . Even assuming that Read could show that sections 559.72(7) and 559.72(9) cover this same subject, the . . . specific provisions of section 559.72(15) would control. . . . If section 559.72(7) and/or section 559.72(9) were interpreted to require a consumer debt collector to . . . See 15 U.S.C. §§ 1692c(b), 1692b(2); § 559.72(5), Fla. Stat. . . .

ERICKSON, v. GENERAL ELECTRIC COMPANY, LLC, LLC, LLC,, 854 F. Supp. 2d 1178 (M.D. Fla. 2012)

. . . . §§ 559.72(9) and (18); and, (2) violations of FDCPA, 15 U.S.C. §§ 1692c(a)(2) and 1692e(2) and (5). . . . Erickson’s claims of alleged violations of FDCPA § 1692c(a)(2) and FCCPA §§ 559.72(9) and (18) — all . . . that actual knowledge is an element necessary to prove violations of FDCPA § 1692c(a)(2) and FCCPA §§ 559.72 . . . of Equable and grants summary judgment on claims of violations of FDCPA § 1692c(a)(2) and FCCPA §§ 559.72 . . . Sections 559.72(9) and (18) of FCCPA provide as follows: In collecting consumer debts, no person shall . . .

KELLIHER, v. TARGET NATIONAL BANK,, 826 F. Supp. 2d 1324 (M.D. Fla. 2011)

. . . . § 559.72(18) and 559.72(9). Counts Three and Four allege that Bonded violated Fla. . . . . § 559.72(9) and the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692g, Defendants . . . Analysis Section 559.72 of the Florida Statutes prohibits certain consumer debt collection practices. . . . Stat. § 559.72(18) makes it unlawful to [cjommunicate with a debtor if the person knows that the debtor . . . Stat. § 559.72(9) makes it unlawful to “claim, attempt, or threaten to enforce a debt when such person . . .

MORGAN, v. L. WILKINS, P. A., 74 So. 3d 179 (Fla. Dist. Ct. App. 2011)

. . . Robin Morgan appeals a final judgment dismissing her counterclaim for damages under section 559.72, Florida . . . Stat. 559.72, the alleged violations of which are the basis of Morgan’s allegations in her counter claims . . . The FCCPA precludes certain conduct “[i]n collecting consumer debts.... ” § 559.72, Fla. . . . Section 559.72 provides that “no person” shall engage in certain practices while attempting to collect . . . applies only to the collection of consumer claims and requires the extension of credit. §§ 559.55(1), 559.72 . . .

S. DESMOND, v. ACCOUNTS RECEIVABLE MANAGEMENT, INC., 72 So. 3d 179 (Fla. Dist. Ct. App. 2011)

. . . (ARM), for alleged violations of section 559.72, Florida Statutes (2006), which regulates consumer debt . . . Section 559.72 prohibits specifically enumerated, inappropriate debt collection practices. . . . Subsection 559.72(7) provides that a person collecting a debt shall not [wjillfully communicate with . . . Because the context of subsection 559.72(7) does not indicate otherwise, an alleged debtor is protected . . . [d] in other conduct which can reasonably be expected to abuse or harass” such an alleged debtor. § 559.72 . . .

In JOHNSON, L. v. LLC, a, 453 B.R. 433 (Bankr. M.D. Fla. 2011)

. . . That conduct, the Trustee alleges, violates sections 559.72(7) — (9), Florida Statutes, of the FCCPA. . . . (8)); and (iii) attempting to collect a debt that is not legitimate (section 559.72(9)). . . . The Court denied the Defendant’s motion to dismiss the Trustee’s claim under section 559.72(7) (harassing . . . (8) (using profane language) and 559.72(9) (collecting illegitimate debt). . . . The Court’s dismissal of the Trustee’s claim under section 559.72(8) was with prejudice. . . .

In V. BATE, V. v. N. A., 454 B.R. 869 (Bankr. M.D. Fla. 2011)

. . . Thirty-three of these counts allege that Wells Fargo violated Section 559.72(18), Florida Statutes, by . . . Plaintiff, Opal Bate, in an attempt to collect a debt, constitutes a direct violation of Florida Statute § 559.72 . . . In two additional counts, the Debtor alleges that Wells Fargo violated section 559.72(17) by impermissibly . . . attempts to collect the past-due balance on her mortgage loan and that Wells Fargo violated Section 559.72 . . . Stat. § 559.72 (providing that "[i]n collecting consumer debts, no person shall ...'') . . .

BENTLEY, v. BANK OF AMERICA, N. A. a BAC L. P. a, 773 F. Supp. 2d 1367 (S.D. Fla. 2011)

. . . Failure to State a Claim under the FCCPA Plaintiff alleges that Defendants violates section 559.72(7) . . . , 559.72(9), and 559.72(18) of the FCCPA. . . . Stat. § 559.72(7), (9) and (18). . . . In regard to Plaintiffs claims under sections 559.72(7) and 559.72(18), the Court finds that these claims . . . As such, the claims under sections 559.72(7) and 559.72(18) are dismissed without prejudice. . . .

OPPENHEIM, v. I. C. SYSTEM, INC., 627 F.3d 833 (11th Cir. 2010)

. . . . §§ 559.72 et seq. After review, we affirm. I. . . .

In D. CHEAVES, P. D. v. a a, 439 B.R. 220 (Bankr. M.D. Fla. 2010)

. . . . §§ 559.72(7), (9) and (11) by communicating with the Debtor under the guise of an attorney, willfully . . . Stat. §§ 559.72(7), (9) and (11) by “using the stationery of an attorney” through the use of the name . . . Stat. § 559.72 state In collecting consumer debts, no person shall: (7) Willfully communicate with the . . . Stat. § 559.72(11). . . . Stat. § 559.72 . See Federal Home Loan Mortg. Corp. v. . . .

FRAZIER, v. HSBC MORTGAGE SERVICES, INC., 401 F. App'x 436 (11th Cir. 2010)

. . . . § 559.72. Plaintiff sought damages, costs and attorneys’ fees. . . .

In HATHCOCK J. L. v. GC USA, 437 B.R. 696 (Bankr. M.D. Fla. 2010)

. . . . § 559.72. . . . defects in the Collection Letter and Validation Notice under the FDCPA are also violations of sections 559.72 . . . Stat. § 559.72 states, in part: In collecting consumer debts, no person shall: (7) Willfully communicate . . . not “conduct which can reasonably be expected to abuse or harass the debtor” in violation of section 559.72 . . . assertion of some legal right with the knowledge that the right does not exist in violation of section 559.72 . . .

BACELLI, v. MFP, INC. St. s, 729 F. Supp. 2d 1328 (M.D. Fla. 2010)

. . . Stat. § 559.72(7). . . . Stat. § 559.72(9). . . . Stat. § 559.72(7). . . . Sections 559.72(9) and 559.72(18) of the FCCPA Plaintiff argues that MFP violated sections 559.72(9) . . . Stat. § 559.72(7). . . .

HEPSEN, v. RESURGENT CAPITAL SERVICES, LP, J. C., 383 F. App'x 877 (11th Cir. 2010)

. . . . § 559.72(9). Both parties moved for summary judgment. . . .

BISHOP, v. I. C. SYSTEM, INC., 713 F. Supp. 2d 1361 (M.D. Fla. 2010)

. . . . § 559.72, (Count Two), and committed the common law tort of invasion of privacy by intruding upon the . . .

LeBLANC, v. UNIFUND CCR PARTNERS, ZB, 601 F.3d 1185 (11th Cir. 2010)

. . . . § 559.72 (identifying types of FCCPA violations that give rise to a private cause of action and omitting . . . For instance, Section 559.72(9) of the FCCPA prohibits a debt collector from “asserting the existence . . . Stat. § 559.72(9); compare 15 U.S.C. § 1692e(5). . . . At least one federal district court has held that no state cause of action exists under § 559.72(9) of . . . In contrast to the FDCPA, Section 559.72(9) of the FCCPA requires a plaintiff to demonstrate that the . . .

In S. GOVERO, II A. S. II A. v. J. D. D. S. S. D. D. S. P. A. I. C., 439 B.R. 917 (Bankr. S.D. Fla. 2010)

. . . 362(k), (c) an order declaring that ICS violated the Debtors’ rights under Florida Statutes section 559.72 . . . At the hearing on the Motion, the Debtors withdrew their requests for relief under sections 559.72 and . . .

UNITED STATES v. MORRISON,, 28 So. 3d 94 (Fla. Dist. Ct. App. 2009)

. . . Shirley Morrison $100,000 in damages on a counterclaim alleging the United States violated section 559.72 . . . counterclaim that the agency wrongfully reported derogatory credit information, in violation of section 559.72 . . .

REESE, v. JPMORGAN CHASE CO. a d b a N. A. LLC, a LLC, a a, 686 F. Supp. 2d 1291 (S.D. Fla. 2009)

. . . XIV because Plaintiff asserts only conclusory allegations that Chase Home Finance violated section 559.72 . . .