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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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Privacy Policy

This privacy policy sets out how this website uses and protects any information that you give this website when you use it.

This website is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, you can be assured that it will only be used in accordance with this privacy statement.

This website may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 7/01/07.

What we collect

We may collect the following information:

What we do with the information we gather

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyze data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so.


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