What is the Fair Debt Collection Practices Act?
Introduced as a US Statute in 1978 as Title VIII of the Consumer Credit Protection Act, the Fair Debt Collection Practices Act (or FDCPA) aims to protect the rights of consumers against abuse and deceptive practices of debt collectors. CreditLaw.com was created to ensure anyone who is being harassed by Debt Collectors is protected under the Fair Debt Collection Practices Act. Debt Collectors must treat consumers according to guidelines, which includes:
- communicating within approved hours of 8:00 a.m. to 9:00 p.m. local time
- communicating with consumers at their place of employment after having been advised as such
- misrepresentation or deceit that the debt collector is anything other than a debt collector
- publishing the consumers name or address
- abusive or profane language
- inappropriate communication with third parties other than spouse or attorney
- threatening or reporting false credit report information
There are certainly more inappropriate behaviors that could land a debt collector in hot water and we will continue to provide you with more information here at creditlaw.com. If you do want to learn more, check out our FDCPA website or head over to the Federal Trade Commission website to learn more.