What You Should Know about
the Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act (FDCPA) is designed to protect consumers from abusive and deceptive debt collection practices by third-party debt collectors. We believe it is important for consumers to be informed about what a debt collector can and cannot do.
The FDCPA was enacted in response to evidence that abusive, deceptive and unfair debt collection practices were contributing to instances of personal bankruptcies, marital instability, unemployment and invasions of individual privacy.
One of the purposes of the FDCPA is to eliminate abusive debt collection practices and promote state protection for consumers against harassing third-party debt collectors.
The Federal Trade Commission (FTC) takes debt collection abuse matters seriously, and a collector who fails to comply with the FDCPA could be liable for damages. If you believe you have been harassed by a debt recovery agency contact the FTC. They have the authority to enforce the requirements imposed under this title.
To learn more about the FDCPA, check out the Federal Trade Commission Consumer Information page or read the Full Text here.
