The FDCPA allows consumers to transfer checks to debt collectors for a certain number of days. However, debt collectors cannot accept such checks unless they do. 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 only applies to third-party debt collectors, such as those who work for a debt collection agency.
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) considers a physical visit to your workplace to be “publicizing your debt.” However, if a debtor tells a bill collector, either verbally or in writing, to stop calling their place of work, the FDCPA says the collector should not call that number again. 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 themselves of another person or entity. 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 Consumer Financial Protection Bureau (CFPB) debt collection rule clarifies the FDCPA's rules for how debt collectors can contact debtors. If the FDCPA is violated, the debtor can sue the debt collection company, as well as the individual debt collector, for damages and attorney fees.
