Fair Debt Collection Practices Act
The FDCPA of 1973 promotes ethical business practices by debt collectors. The Act is limited in coverage, mainly to debt collection agencies, debt buyers, collection lawyers to name a few.
The Act protects consumers from invasion of privacy, harassment, abuse, false or deceptive representation and unfair or unconscionable collection methods.
Specifically, late night and repetitive phone calls as well as false threats of legal action.
YOU HAVE RIGHTS under the FDCPA. WE KNOW HOW to fight for your rights against abusive debt collectors.
Some examples of common violations of the FDCPA:
- Contacts at unusual or inconvenient times or places prohibited 15 U.S.C. § 1692 c(a)(1)
- Use or threat of violence prohibited 15 U.S.C. § 1692(d)(1)
- Use of obscene or profane language prohibited 15 U.S.C. § 1692(d)(2)
- Illegally communicating with a third party 15 U.S.C § 1692(c)(6)
- False, deceptive, misleading representation in connection with the collection of any debt