What is the Fair Debt Collection Practices Act?
The Fair Debt Collection Practices Act (FDCPA) was enacted by Congress in 1978 as part of the Consumer Credit Protection Act. The purpose of the act is to promote fair debt collection practices on the part of creditors, and end practices that are harassing or abusive to debtors. This act also provides consumers with a method to dispute or validate debt information in order to ensure its accuracy.
The FDCPA Prohibits Collections Practices that Include:
- Repeated calling of a debtor by a creditor in order to harass or abuse
- Calling a debtor at odd hours (such as before 8 a.m. or after 9 p.m.)
- Communicating or attempting to communicate with a debtor at their place of work even after their employer has made it clear that such communication is unacceptable
- Misrepresenting the amount of one’s debt, or the debt’s character
- Threatening legal action against the debtor if such action is not actually intended
- Using profane or abusive language
- Communicating or attempting to communicate with a debtor who is known to have legal representation
- Threatening a debtor with arrest if a debt is not paid
- Communicating or attempting to communicate with third parties regarding a person’s debt
If you’re being abused or harassed by creditors, it’s time to contact the Engel Law Firm. We’re dedicated to helping people who are drowning in debt and are looking for a way to deal with this overwhelming situation. We’re familiar with all manner of debt relief cases, including collections defense, foreclosure defense, and bankruptcy filings.
Are you being harassed by creditors? Contact Engel Law Firm, we can assist you in taking legal action against creditors who are in violation of the Fair Debt Collection Practices Act.