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Read Full FDCPA

Section 3:
Debt Collection Terms & Definitions - 15 USC 1692a

Section 4:
3rd Party Contact and Information Gathering Rules - 15 USC 1692b

Section 5:
Collection Calls & Communication Rules
15 USC 1692c

Section 6:
Harassment and Abusive Collection Tactics
15 USC 1692d

Section 7:
False & Misleading Tactics
15 USC 1692e

Section 8:
Unfair Collection Practices
15 USC 1692f

Section 9:
Validating Debts after Initial Notification
15 USC 1692g

Section 10:
Debt Payments Applied to Accounts
15 USC 1692h

Section 11:
Where Collectors must file lawsuits
15 USC 1692i

Section 12:
Deceptive Collection Letters and Forms
15 USC 1692j

Section 13:
Civil Liability for violations of the FDCPA
15 USC 1692k

Administrative Enforcement
15 USC 1692l

Reports to Congress
15 USC 1692m

Relation to State laws
15 USC 1692n

Exemption for State Regulation
15 USC 1692o

Exception for Bad Check Enforcement
15 USC 1692p

Effective Date

Endnotes

Legislative History

Amendments

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The Federal Fair Debt Collection Practices Act

The Federal Fair Debt Collection Practices Act, your State's Fair Debt Collection Practices Act, and additional consumer protection laws were enacted to stop the illegal, abusive and menacing tactics that a debt collector, collection agency or creditor may use in their attempts to collect an overdue amount from you. Just because you owe money does not mean that a debt collector can continually call and threaten you, your friends, neighbors or your employer in an effort to secure payment.

You have rights under Fair Debt Collection Practices Laws, you CAN stop debt collector calls and letters. If you are being treated abusively by a debt collector, collection agency or creditor, contact a Fair Debt Collection Practices Attorney today for a free consultation.

Under The Fair Debt Collection Practices Act you have the right to sue a debt collector who violates the law. If you win, you may recover money for the damages you suffered plus an additional amount up to $1,000. Court costs and attorney's fees also can also be paid for by the debt collector or collection agency.


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