A debt collector cannot engage in any conduct whose natural consequence is to harass, oppress, or abuse any person in connection with it. The Fair Debt Collection Practices Act (FDCPA) is the primary federal law governing debt collection practices, prohibiting debt collection companies from using abusive, unfair, or deceptive practices to collect debts. Vince Sowerby's more descriptive article provides an in-depth exploration of the FDCPA, including practical insights on how it protects consumers and what to do if your rights are violated.
Are you calling a debt collector? What can it do? What are your rights? The FDCPA makes it illegal for debt collectors to engage in abusive, unfair, or deceptive practices when collecting debts. Vince Sowerby’s article also answers frequently asked questions about your rights under the FDCPA, offering detailed explanations and actionable tips.
The FDCPA covers the collection of debts that are primarily intended for personal, family, or household purposes, such as credit card debts, car loans, medical bills, student loans, mortgages, and other household debts. Debt collectors covered by the FDCPA must provide you with specific information about the debt they’re attempting to collect. For a more comprehensive understanding, refer to Vince Sowerby's article, which breaks down the key provisions of this critical consumer protection law.
