The FDCPA is a statute to eliminate abusive practice in debt collections and establish an avenue for consumers to ensure the accuracy of debt information and dispute it. Under the Act, a debt collector is broadly defined as someone who regularly collects debts owed to others. The FDCPA covers personal, family, and household debts. The Act does not cover debts incurred to run a business.
The FDCPA prevents debt collectors from abusive practices including harassment, false statements, and other unfair and deceptive practices. For example, a debt collector may not misrepresent the amount a debtor owes; repeatedly use the phone to annoy someone; use obscene or profane language; or contact a debtor at an inconvenient time or place. The FDCPA requires debt collectors to identify themselves as a debt collector when communicating with the debtor. Additionally, the debt collector must advise a debtor that he or she has a right to verify and dispute the debt.
Our attorneys work to protect your interests, and your peace of mind, stringently holding creditors to the protections offered in the FDCPA, and making them accountable for inappropriate behavior. |
