Fair Debt Collections Practices Act

The Fair Debt Collection Practices Act (FDCPA) is a federal law that prohibits debt collection harassment and deception. It also provides various legal rights to consumers, including the right to request debt verification and the right to modify how debt collectors make calls. 

Debt collectors that violate the FDCPA are liable for damages, attorneys’ fees, and costs.

If you’re getting harassed by debt collectors or think they violated the FDCPA, contact us for help. To get a free case review from our debt harassment attorney, complete contact form.

What does the FDCPA prohibit?

In broadest terms, the FDCPA prohibits harassing, deceptive, and unconscionable debt collection practices. These are not defined terms, but general concepts. 

Here are common examples of debt collection practices the FDCPA prohibits:

Does the FDCPA regulate how debt collectors can communicate about a debt?

The FDCPA does regulate how debt collectors can communicate about a debt. You have the right to tell debt collectors to stop calling you. You also have the right to tell debt collectors what times, places, and methods of communication are convenient for you. Additionally, the FDCPA regulates debt collection communications in the following ways:

What other rights are provided by the FDCPA.

In addition to regulating how debt collectors contacting you, and prohibiting harassment and deception, the FDCPA provides consumers many other rights, which include the following:

What happens if a debt collector violates the FDCPA?

When debt collectors violate the FDCPA, they are liable for damages, attorneys fees, and costs. The damages available include statutory damages of up to $1000, any monetary loss you suffered, and compensation for any anxiety or stress caused by the debt collector’s unlawful conduct. To learn more visit our debt harassment page.

Hire us to help!

If you’re having problems with debt collection agencies, debt buyers, or collection law firms, contact us for help. To get a free case review from our debt harassment attorney, complete our contact form.

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