The Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unfair, deceptive, or abusive practices by debt collectors. It sets guidelines on how collectors can contact you, what they can say, and prohibits harassment, threats, or false statements. The law also gives you rights to request validation of debts and to stop unwanted communication. Overall, it ensures debt collection practices are respectful, transparent, and fair.