Fair Debt Collection Practices Act


(narrator) LOL, BTW, IRL, OMG. There is a lot of initials
out there in the world. Tough keeping track of them all. But if you’re involved
in a case against a debtor, the initials FDCPA
are the most important letters you should know. FDCPA stands for the Fair
Debt Collection Practices Act. It’s a federal consumer protection law that gives legal protection against abusive debt collection practices. In other words, even though
you may be in debt to a collector, it doesn’t mean
the collector is without boundaries pursuing the debt. Being in debt doesn’t mean
you don’t have any rights. The types of debts
covered by the FDCPA are household debts,
automobile debts, medical debts, and credit card debts, to name a few. Yes. A collector can contact someone through mail, telephone, telegram, or fax. But under the FDCPA there are a number of things
collectors cannot do, such as contact you
at an inappropriate time, namely before 8:00 AM or after 9:00 PM, unless you allow them to. Collectors also can’t contact you at work once you tell them
it’s unacceptable or prohibited by your employer. You can also send a letter
telling the collector to stop contacting you,
which they must do. Collectors cannot say
that what they are giving you are court documents
or have other legal consequences, unless that’s true. In fact, they can’t lie to you
about anything. And of course, collectors
cannot threaten or abuse debtors in any way, shape, or form. The FDCPA is there to protect you from harassment and intimidation
by credit collectors. And Legal You is there to help you with using the FDCPA
to fend off abusive collectors. Legal You. You can do this.

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