Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collection Practices Act (FDCPA) is a federal law that was enacted in 1978 to protect consumers from unfair and abusive practices by debt collection companies. It prevents debt collectors from harassing borrowers by imposing strict limits on how and when debt collectors can contact them. It also requires debt collectors to treat consumers fairly and with respect, provide clear and accurate information in their communications, refrain from using false or misleading representations, and provide consumers with certain rights when dealing with debt collectors. The FDCPA also provides consumers with remedies when a debt collection agency has violated the FDCPA, including damages and other relief that may be available to a consumer.