Fair Debt Collection Practices Act

Definition

A 1977 federal law that serves to regulate collection agencies. The FDCPA outlines the conditions under which these agencies may operate in an effort to prevent deception, harassment, and other unfair debt collection practices. The rules of the FDCPA only apply to third-party debt collectors, and only to debts held by individuals (not by businesses). The FDCPA outlines a number of activities that would be seen as deceptive or harmful, and are hence prohibited, as well as requiring a number of helpful activities to be followed.
THE FDCPA is enforced by the Federal Trade Commission, who also presents an annual report to Congress in regards to these issues.

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You may want to study up on the FAIR DEBT COLLECTION PRACTICES ACT so that you can make sure you are doing things right.

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The fair debt collection practices act was referenced during the communication between the debtor and the creditor as the creditor had engaged in violations.

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Chelsea's creditors kept calling her at work so I reminded her that she needed to tell them to stop calling her at work according to the fair debt collection practices act.

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