Fair Debt Collection Practices Act (FDCPA)
Established in 1978, the Fair Debt Collection Practices Act (FDCPA) protects individuals from the harmful collection practices many agencies unfortunately employ today. The act was created to eliminate abusive practices in the collection of consumer debts, to advocate for fair debt collection, and to offer consumers a way to dispute and obtain validation of debt information in order to ensure the information's accuracy.
The FDCPA creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. We can use the specific rights afforded by this act to stop harassing calls to your home and place of business, and afford you respect and privacy.
When it comes to debt collection agencies, here's what we can protect you against:
- Repeated calls
- Abusive language and threats of legal action
- Contacting your neighbors, relatives, friends, coworkers, and employers
- Deceptive and illegal methods of debt collection
- Misrepresentation of the amount or status of a debt
- Disclosure of your default debts to third parties