After the Great Recession, many American consumers still find themselves deep in debt. Not surprisingly, the debt-collection market has grown into a billion-dollar industry. In Florida, creditors and collectors’ debt-collection activities are subject to the State’s consumer-protection statute, the Florida Consumer Collection Practices Act (FCCPA), which creates a barrier between collectors and debtors by prohibiting contact between them, including via billing statements, while a debt is in collection if the debtor is represented by counsel. An independent federal law, the Truth in Lending Act (TILA) also applies to certain debt collection activities, and it requires creditors to send certain disclosures on period billing statements to the consumer. The TILA does not create an exception for debtors represented by counsel. If these laws are determined to be in conflict, the Florida protective statute would be preempted. While Florida courts have not yet decided this issue, the Author proposes that the TILA can be harmonized with the FCCPA through an interpretation of the TILA that would allow creditors to comply with both the federal and state law. This interpretation is based on caselaw, federal authorities, and public policy, and the Author concludes that this harmonious interpretation is required for the laws to function as both were intended-to protect consumers.