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What is the Fair Debt Collection Practices Act?

April 26, 2017ACT collection debt fair practices

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What is the Fair Debt Collection Practices Act?

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In 1977, the Fair Debt Collection Practices Act was passed to protect consumers from unscrupulous collection activity sometimes practiced during the course of collecting on debt. Here are just a few items addressed in the Fair Debt Collection Practices Act of 1977 that you may not be aware of: Creditors may only contact you between the hours of 8:00 AM and 9:00 PM in your time zone. Creditors may not call you at home if notified in writing. Creditors may not call you at work once youve instructed them not to do so.

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The Fair Debt Collection Practices Act requires that debt collectors treat debtors fairly and prohibits certain methods of debt collection. For example, a debt collector may not contact you at work if you tell them your employer disapproves of such calls. That would be a violation of the law.

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The Fair Debt Collection Practices Act of 1978 is a federal law enacted by Congress as part of the Consumer Credit Protection Act. Its purpose is to protect consumers from harassing and abusive debt collection methods.

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The Fair Debt Collection Practices Act requires that debt collectors treat you fairly by prohibiting certain methods of debt collection.