Fair Debt Collection Practices Act (FDCPA) – Fighting Bad Debts?The Fair Debt Collection Practices Act (FDCPA) has protected debtors from their creditors since 1977. It establishes certain rights that you have to protect against aggressive debt collection practices. The FDCPA is quite complex, but understanding it is extremely important for those that want to fight their bad debts.
What is covered under the FDCPA?
- Debt collectors cannot contact you before 8 a.m. or after 9 p.m., and they must stop contacting you by phone if you ask them to.
- Debt collectors are not allowed to call you at work if they are told not to, and they cannot contact you if you have told them you have legal representation.
- Debt collectors cannot call you within 30 days after you’ve requested written proof of the debt.
- Debt collectors cannot speak with third parties regarding your debt or put false information on your credit report.