What is the Fair Debt Collection Practices Act

Your Rights under the FDCPA Law

Many individuals who are behind on debt payments may have trouble with debt collection agencies and the abusive techniques they use to collect debt payments. The Fair Debt Collection Practices Act (FDCPA) was created to set certain limits on the conduct of the collection agencies and stop debt collectors who use abusive debt collection tactics. Under the FDCPA guidelines, consumers were provided with a means for disputing and validating credit information and collection agencies were given specific FDCPA guidelines outlining how they can contact individuals at work and home. The goal of the FDCPA was to eliminate harassing creditor contact and other illegal collection actions, increase the rights of the consumer, and assess penalties for violations of the FDCPA rules.