The right to file for bankruptcy is not a right granted to borrowers by the Fair Debt Collection Practices Act (FDCPA). The Fair Debt Collection Practices Act (FDCPA) is the primary federal law governing debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. Any debt collector covered by the FDCPA who contacts you regarding a debt must provide you with certain information about it.
If you believe that a debt collector has violated the FDCPA, you can contact the Consumer Financial Protection Bureau (CFPB) or your state's attorney general. The FDCPA creates a structure within which debt collectors can work in an attempt to make debt collection a fair and non-aggressive process. The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. The FDCPA only applies to third-party debt collectors, such as those who work for a debt collection agency.
If the FDCPA is violated, the debtor can sue the debt collection company and the individual debt collector for damages and attorney fees. The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits what debt collectors can do when they attempt to collect certain types of debts. The Consumer Financial Protection Bureau (CFPB) debt collection rule clarifies the FDCPA's rules for how debt collectors can contact debtors. The Fair Debt Collection Practices Act (FDCPA) considers that a physical visit to your workplace is “to publicize your debt”.
The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when attempting to collect debts. The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits the actions of outside debt collectors who attempt to collect debts on behalf of another person or entity. However, if a debtor tells a bill collector, either verbally or in writing, to stop calling their place of work, the FDCPA says that the collector should not call back that number.
