Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) is a U.S. law designed to protect consumers from abusive debt collection practices. It sets guidelines for how debt collectors can communicate with individuals, prohibiting harassment, false statements, and unfair tactics. For example, collectors cannot call you at odd hours, use threats, or misrepresent the amount owed. If you feel a collector has violated your rights, you can report them and seek remedies, ensuring fair treatment in the debt collection process. The Act aims to balance the rights of consumers with the needs of creditors.