When you need a Fort Lauderdale consumer protection lawyer
Consumer protection is one of the few legal areas where the law actually tilts toward the regular person. Both Congress and the Florida Legislature built fee-shifting into the major statutes so companies can't outspend you. The catch: deadlines are short, and you need to know which statute applies. Call a Fort Lauderdale consumer lawyer if any of the following is happening:
- A debt collector keeps calling after you said stop, threatens you with arrest, or claims an amount that doesn't match your records.
- An original creditor (a bank, hospital, telecom) is harassing you — Florida's FCCPA reaches them, unlike the federal FDCPA.
- You're getting robocalls or unsolicited text messages — auto warranties, solar, health insurance.
- You bought a new Florida-registered vehicle that has the same defect 3 or more times in 24 months / 24,000 miles, or has been out of service 15+ days. The Florida Lemon Law triggers.
- Your credit report shows accounts that aren't yours, paid debts marked unpaid, or charge-offs you settled — and the credit bureau won't fix it after a written dispute.
- A Florida business advertised one price and charged another, billed for unauthorized services, or sold you something it knew didn't work.
- A Broward County contractor took a deposit and never finished the job.
- Your homeowner's, auto, flood, or hurricane insurer denied a clear claim or stretched out an investigation past 60 days without explanation.
- You're the victim of identity theft and a creditor is trying to collect on a debt that isn't yours.
How Florida consumer protection law works
FDUTPA — the broad state tool
The Florida Deceptive and Unfair Trade Practices Act covers any unfair, deceptive, or unconscionable trade practice. It applies to nearly every consumer transaction in Florida. Winning plaintiffs recover actual damages plus attorney's fees. The limitations period is 4 years from discovery. FDUTPA also has a class-action mechanism.
FCCPA — Florida's debt collection statute
The Florida Consumer Collection Practices Act is broader than the federal FDCPA. It applies to original creditors as well as third-party collectors — banks, credit card issuers, hospitals, landlords trying to collect rent. Each violation pays $1,000 in statutory damages plus actual damages and fees. 2-year limitations period.
Federal statutes
FDCPA (1-year), TCPA (4-year), FCRA (2-year discovery / 5-year violation), and the Magnuson-Moss Warranty Act all apply to Florida consumers. Each has fee-shifting and short deadlines.
Florida Lemon Law
The Motor Vehicle Warranty Enforcement Act covers new vehicles purchased or leased in Florida. The "Lemon Law Rights Period" is 24 months from delivery. Three reasonable repair attempts (or one for life-threatening defects), or 15 cumulative out-of-service days, generally triggers the right to refund or replacement.
What consumer protection cases cost in Fort Lauderdale
$0
Up-front cost on most cases
33–40%
Contingency on recovery
Fee-shift
Defendant pays your fees
$275–$500/hr
Hourly (rare on consumer side)
Because FDUTPA, FCCPA, FDCPA, TCPA, FCRA and Magnuson-Moss all shift fees to the losing defendant, the firms below can take strong cases on contingency. Ask any firm to confirm the fee structure in writing before you sign.
How long these cases take in Fort Lauderdale
- Pre-suit demand: 30 to 90 days. Many FCCPA and FDCPA claims settle without filing.
- Filed in Broward County Circuit Court (FDUTPA): 9 to 18 months to trial.
- Filed in U.S. District Court for the Southern District of Florida: 12 to 24 months. The Southern District is busy.
- Lemon law arbitration through the manufacturer: 30 to 90 days; longer if litigated after a denial.
- Class action: 2 to 4 years through certification and approval.