How Can I Stop Creditor Harassment (Fair Debt Collections Act)?;
The Fair Debt Collection Practices Act (FDCPA) is a United States statute that protects consumers from abusive or harassing behavior of debt collectors. The FDCPA includes 1) guidelines for how debt collectors may interact with consumers, 2) a list of prohibited conduct of debt collectors, and 3) a strategy for remedies or penalties for violations of the Act. As a consumer, the FDCPA secures your right to fair treatment by setting guidelines for how debt collectors should interact with you. Debt collectors must: Identify themselves. Every time they communicate with you, they must tell you that they are a debt collector and trying to collect on a specific debt. Identify the original creditor. Within 30 days of your written request, debt collectors must tell you the name and address of the original creditor (i.e., the company to which the debt was first owed). Notify you that you have the right to dispute the debt. Within five days of first contacting you, a debt collector must send you
