Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collection Practices Act (FDCPA) is a U.S. law that protects consumers from unfair, deceptive, or abusive practices by debt collectors. It sets rules on how collectors can communicate, such as prohibiting harassment, false statements, or contacting you at unreasonable hours. It also requires them to provide clear information about the debt you owe and your rights. If collectors violate these rules, consumers can file complaints and seek damages. The FDCPA aims to ensure that debt collection is conducted fairly and respectably while safeguarding consumers’ rights.