FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a United States federal law that regulates the activities of debt collectors. It was enacted in 1977 to protect consumers from abusive debt collection practices. The FDCPA applies to all third-party debt collectors, including those who collect debts on behalf of creditors, and to creditors themselves when they collect debts directly.
The primary purpose of the FDCPA is to ensure that debt collectors adhere to fair and reasonable
The FDCPA also establishes a "statute of limitations" for debt collection, which means that debt collectors
In addition to these provisions, the FDCPA includes a "do not call" registry, which allows consumers to
The FDCPA is enforced by the Federal Trade Commission (FTC) and state attorneys general. Violations of the