Debt Collection Practices Act

The Debt Collection Practices Act (DCPA) is a U.S. law that protects consumers from abusive debt collection practices. It establishes rules for how debt collectors can communicate with you, ensuring they do not engage in harassment, deception, or unfair practices. For example, they must identify themselves, cannot contact you at unreasonable hours, and must cease communication if you request it. If they violate these rules, you have the right to report them or take legal action. Ultimately, the DCPA aims to ensure fair treatment and transparency in the debt collection process.