Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act (FDCPA) provides consumer protection from
abusive debt collectors who attempt to annoy, abuse, and harass debtors. Debt collectors
must treat you with fairness, dignity, and respect. All communications from a debt
collector must be truthful.
In this section you will find answers to frequently asked questions about fair debt collection practices. Click on a question to view the answer.
Imagine David and Goliath. I help the individual (consumer) fight against large corporations like insurance companies or mortgage companies.
No set number on how many times they can call you.
When does it cross the line in becoming harassing?
Be as nice as pie to them – Don’t fall into their traps.
We need evidence of how many times they call each day.
The debt was sold, transferred or assigned.
Under the Fair Debt Collection Practices Act it only applies to third party debt collectors not individuals collecting their own debts.
Debt that is still out there after many years.
It does not mean that credit card companies can’t still try to collect the debt.
Debt collection is a huge business.