What Consumer Tools are Available in the Fair Debt Collection Practices Act?
The Federal Fair Debt Collection Practices Act (FDCPA) is a set of legal guidelines that protects a debtor’s privacy, as well as protects them from abusive behavior such as being harassed by debt collectors. The FDCPA is enforced by the Federal Trade Commission (FTC), and sets the national standard for collection agencies. If you are unfamiliar with the Fair Debt Collection Practices Act, the following are common questions and answers about the Act that will cover its main points to help improve your understanding of the rights of a debtor and collection agency. · Can a debt collector contact you by phone? Yes. However there are certain restrictions. For instance, a debt collector may • Call you before 8 a.m. or after 9 p.m. unless you have permitted the collector to do so. • Call you constantly • Trick you into paying for telegrams or accepting collect calls, or pretend to be someone they are not • Use the phone to harass you, make threats, use obscene language or make negative commen
