According to the Federal Trade Commission, the FDCPA "prohibits debt collectors from using abusive, unfair or deceptive practices to collect from you." Here are the top five things that are (and aren't) covered by the Fair Debt Collection Practices Act (FDCPA):
- The FDCPA covers personal debt. This includes credit cards, mortgages, auto loans, etc. It does not include business debt.
- Debt collectors cannot contact you anytime, anyplace. Under the FDCPA, debt collectors can't contact you in the early morning or late evening. They also cannot contact you at work if you have previously indicated that you may not receive phone calls there.
- Certain behaviors are not appropriate when trying to collect debt. A few examples of this "off-limits" behavior are harassment, false statements and unfair practices.
- You have options if you believe your rights have been violated. The Fair Debt Collection practices act gives you recourse - you may sue a debt collector or file a complaint with the Attorney General's office.
- Professional legal assistance is available. A qualified legal professional is your best resource to explain your rights under the Fair Debt Collection Practices Act and go over your options for dealing with your mounting debt and creditors.
For more information on the Fair Debt Collection Practices Act, contact Chang & Carlin today and read on for more information.
DISCLAIMER: All information on this website are provided for informational purposes only and are not intended to be construed as legal advice. Chang & Carlin shall not be liable for any errors or inaccuracies contained herein, or any actions taken in reliance thereon.
