Fair Debt Collection Practices Act

Are debt collectors calling you early in the morning or late at night? Are they calling you at work when you have asked them not to? Has a collection agent threatened you with arrest if you do not pay the money you owe?

If you have suffered these or other types of conduct prohibited by law, you can stop debt collector harassment. You may even be entitled to compensation for the trouble that debt collectors have caused you.

Call us today to schedule a free consultation. We help people throughout Florida obtain relief from debt collector harassment.

Your Rights Under the Fair Debt Collection Practices Act

While debt collectors have some latitude when contacting debtors, the Fair Debt Collection Practices Act (FDCPA) places restrictions on their conduct. Debt collectors cannot:
The FDCPA also provides consumers with other rights. A debt collector must tell you exactly how much you owe to the creditor and provide you with 30 days to contest the debt. You can also ask the debt collector to stop calling you and it must comply, with some exceptions.

How Can We Help

Kaniuk Law Office is a law firm dedicated to protecting the rights of consumers and stopping unfair and deceptive debt collection practices. Our lawyers have a record of success stopping debt collector harassment and other credit abuses, and we can act on your behalf.

If a debt collector has violated the FDCPA, we can stop the harassment and calls. And you may be entitled to $1,000, plus actual out-of-pocket losses and attorney fees — from each debt collector who has violated the law.

It won’t cost you anything to hire us, because we take our fees from the debt collection agencies that have broken the law.

Fair Debt Collection Practices Act


Ron Kaniuk is the Founder and Managing Partner of Kaniuk Law Office, P.A.

For more than 25 years, he has and continues to represent individual and business clients throughout the State of Florida.

Ron is an “old school” general practitioner who keeps up with practice innovations and technological advancements and focuses his practice on representing individuals and small business owners.

For his individual clients, Ron uses the legal system to solve a wide range of financial problems. He helps these clients with debt management, debt negotiation, small claims debt litigation, foreclosure defense, and Chapter 7 and Chapter 13 bankruptcies. He also co-counsels matters with other attorneys in the areas of real estate, personal injury, immigration, and estate planning and probate.


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Contact us to schedule your free, no obligation strategy session with one of our experienced attorneys.

During your confidential session, we will discuss your unique situation, answer all your questions, and develop a custom or tailored plan of action.

If we can help, we will present you with some options. Regardless of whether you retain Kaniuk Law or not, you will know where you stand and have a plan to deal with your situation.

Click here to schedule your free, no obligation strategy session.


1615 S. Congress Avenue, Suite 103,
Delray Beach, FL 33445


Phone: +561.292.2127


Monday-Friday: 9:00 AM – 5:00 PM *On-call via phone/email when you need help!