FDCPA violations - ARM of Florida

So I have been harassed to no end by ARM of Florida, over an internet pdl. I told them in the beginning that I would pay them the principal of the loan, but they want over $2000 now on a $300 loan due to fees, etc. Not going to happen!

I have sent a debt validation letter, which they never validated, and then have sent them 5 C/D since March, because they call constantly.

So far, they have contacted me at work 4 times, although I told them not to the first time, and put it in each of my C/D letters

They have called me at home 36 times since receiving my first C/D letter

I have been been threatened with jail time twice, called a *** loser once, and 3 times, the caller refused to identify themselves, simply saying "You know who this is" before hanging up

They are also trying to collect on an illegal debt


My question is this: is each one of these instances a FDCPA violation? Because if so, they owe me about $55,000 now!

I just want to make sure before I get back with this NACA attorney that says he'll take my case.

Thanks!

you can check with your states legislation (generally under the UCC) to check their statutes on consumer rights regarding debt collection.

also you will find consumer attorneys at naca.net