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What is the Fair Debt Collection Practices Act?

Placed into practice in 1978, the FDCPA or the Fair Debt Collection Practices Act is a federal law designed to protect the rights of the consumer from abusive and unfair debt collecting practices.

The law regulates what collection agencies can or cannot do when collecting a personal debt from a consumer.

It defines strict guidelines under which collection agencies must abide by when conducting business including who the collection agency may contact, where they may call, and how often or what times.

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Stop Debt
Collector Harassment

  • Anonymous calls from bill collectors.
  • Collection calls early in the morning or late at night (before 8 A.M. or after 9 P.M.)
  • Calls at work by collection agents (or attorneys), particularly after being told to desist
  • Harassment, intimidation, use of obscenities, or lies by collectors or attorneys
  • Threats of any action that is not taken or intended to be taken
  • Communications (or threats of same) to friends, family, neighbors, or co-workers
  • Not inform you that you have the right to dispute the debt
  • Threats of harm to you or your family, of appearing at your home, of lawsuit, or arrest
  • Threats of wage garnishmentt
  • Threats of negative credit reporting or to "ruin" your credit
  • Failure to report to credit agencies that a debt is disputed
  • Attempts to collect more than you owe, and adding undisclosed fees or costs to the debt.
  • Use of false names by collection agents
  • Collection efforts by an agent not licensed in that state
  • Attempts to collect a debt that has been discharged in bankruptcy
  • Attempts to collect an old debt when the statute of limitations has expired
  • Lawsuits in wrong jurisdictions

What is the Fair
Credit Reporting Act?

The Fair Credit Reporting Act, also known as the FCRA, was placed into effect in 1970.

This federal law enforces and regulates the collection, distribution, and usage of consumer information.

The law ensures that companies and businesses report accurate information about their consumers to Credit Bureaus.

Information that can be used for credit evaluation and certain other purposes such as employment.

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