The Fair Debt Collection Act
It is important for consumers to know their rights when it comes to debt collection and credit reporting. Attempts to improve credit scores without clear understanding of these rules and regulations are extremely more challenging. For those who are struggling with paying their bills, knowing what debt collectors can and cannot do legally is of utmost importance.
While most debt collectors manage to hold their business to high standards and follow the letter of the law, a few still manage to operate by use of harassment, intimidation, and deception. Being an informed consumer is essential in this day and time.
In 1978 the Fair Debt Collection Practices Act, also known as FDCPA, 15 U.S.C. § 1692 et seq. was added as Title VIII of the Consumer Credit Protection Act. This federal law governs the actions of debt collectors for personal debts and protects consumers from unfair collection practices.
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