The 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 prohibits debt collectors from using deceptive, threatening, or harassing tactics when trying to collect debts. For example, they cannot call at odd hours, misrepresent the amount owed, or threaten legal action they can't take. The law also gives consumers the right to dispute debts and request that collectors cease communication. Overall, the FDCPA aims to ensure fair treatment and transparency in the debt collection process.