Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act, or FDCPA, is a federal statute that protects consumers from abusive and unfair debt collection practices. This statute applies to third party debt collectors and collection agencies but not to creditors that collect their own debts.
The FDCPA protects you from the following actions:
Early morning and late night collection calls.
Harassment. This can include making threats, continuous phone calls, threats of violence.
Debt collectors using false and misleading statements.
Threatening legal action that is improper.
Attempting to collect an incorrect amount or a debt that is not yours.
If you have been dealing with a harassing creditor, please call us today. We offer free consultations on all creditor harassment cases.