Erik Kardatzke
Debt Defense Law
Miami, FL
Debt Collection DefenseConsumer Law
Florida attorney directory
Consumer protection attorneys in Miami-Dade County, FL
26 cities and 80 ZIP codes in Miami-Dade County. 1 attorney listing here so far.
Before you pay an attorney retainer
Want the calls in Miami-Dade County to stop? Start with a written letter.
Under the federal FDCPA (15 U.S.C. § 1692c(c)), once a debt collector receives your written request to stop contacting you, it must generally stop, with limited exceptions. You can send that request yourself, without a lawyer. We help you write it in a few minutes.
- ✓ Cites federal and Florida law
- ✓ Ready in about 5 minutes
- ✓ PDF you can print and mail
One-time price, no subscription. Not a law firm and not legal advice. The outcome depends on the collector.
Cities in Miami-Dade County
- Miami(1)
- Hialeah
- Homestead
- Bal harbour
- Carl fisher
- Carol city
- Coral gables
- Florida city
- Kendall
- Key biscayne
- Miami beach
- Miami shores
- Miami springs
- North bay villag
- North miami
- North miami beac
- Ojus
- Olympia heights
- Opa locka
- Perrine
- Princeton
- Quail heights
- South miami
- Zcta 33018
- Zcta 331hh
- Zcta 333xx
Your rights against debt collectors in Miami-Dade County, FL
- Miami-Dade County covers 26 cities and towns and 80 ZIP codes, including Miami, Hialeah, Homestead.
State law on top of the FDCPA
People in Miami-Dade County, FL are protected by the federal Fair Debt Collection Practices Act and by Florida's own Florida Consumer Collection Practices Act (Fla. Stat. § 559.55 et seq.). State laws can cover original creditors too, not just collection agencies.
Legal calling hours here
Collectors may not call before 8:00 a.m. or after 9:00 p.m. your local time (§ 1692c(a)(1)). Miami-Dade County, FL is on Eastern (Central in the western Panhandle) time — note the exact time of every early or late call. Log calls for free.
Small claims court
Florida small claims courts commonly hear cases up to about $8,000. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Miami-Dade County court. Limits change, so confirm with the court clerk before filing.
Where to complain
File with the CFPB and the Florida Attorney General. See our complaint guide.
Sources you can check
- Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692–1692p (Cornell Legal Information Institute)
- Regulation F, 12 C.F.R. Part 1006 (CFPB)
- FTC debt collection FAQs
- Florida Consumer Collection Practices Act (Fla. Stat. § 559.55 et seq.) — look up the official text
- Florida Attorney General (National Association of Attorneys General)
Last reviewed: by the StopAndDesist editorial team. General information, not legal advice.
Being contacted by a collector in Miami-Dade County?
You can require a collector to stop contacting you in writing, today, without hiring an attorney first. Keep a record of every call while you do it.