Fair Debt Collection Practices Act – Protection From Debt Collectors

The Fair Debt Collection Practices Act, FDCPA, is a federal law that governs the actions of debt collectors for personal debts. When a attempts to collect a debt, that third-party is obligated to follow the FDCPA. The FDCPA does not regulate business debt or personal debt incurred for the benefit of a business. The Fair Debt Collection Practices Act prohibits debt collectors from making harassing, threatening, or misleading statements in order to trick you into making payments. The FDCPA provides Read more [...]

An Outline of the Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act was enforced in 1978 as part of the Consumer Credit Protection Act. The mission of the FDCPA is to protect consumers against abusive debt collection as well as provide consumers with fair debt collection processes. There are many enforced regulations as well as practices that are ruled against. The Federal Trade Commission states that there are rules to be followed for those who are locating information about the consumer. Acquisition of location information Read more [...]

Fair Debt Collection Practices Act Section 806

Is your debt collection agency harassing you? Are they calling you all the time? Did they threaten your properties, your reputation and yourself personally? Did they also curse at you? No matter what you do they would not back down? They even call your workplace even though you specifically told them not to. Are you getting really irritated by the debt collection agency attitude? Here is something you could try the next time they call you. Pick up the phone and tell them that they are in breach Read more [...]