Here are some of the main tactics that are now illegal under the Fair Debt Collection Practices Act, more commonly referred to as the FDCPA. Learn more about the Fair Debt Collection Practices Act - FDCPA - and how it protects you from debt harassment. Visit FairDebtHelpers.com for a free evaluation of your case by an experienced fair debt attorney. 1. If a debt collector continues to contact you after you have told them in writing that you are not going to pay the debt, that is breaking the law. 2. If a debt collector contacts you after you have made him or her aware that you are represented by an attorney, that is breaking the law. 3. If a debt collector implies he or she is an attorney when they are not, that is breaking the law. 4. If a debt collector tries to collect more than is owed, that is breaking the law. Virtually all of us are debtors to some extent or another, and this law was passed to stop harassment and threats being made by debt collectors to take advantage of people who are disputing that they owe a debt, or are simply unable to pay because of their financial circumstances. Know your rights before discussing your situation with any debt collector. Be sure to keep a careful record of all contacts you have with anyone attempting to collect a debt from you. And if you are being harassed, discuss your case with an attorney who specializes in debt relief law. This is a serious issue and should be reported if you think that you’ve experienced it.

The Fair Debt Collection Practices Act, more commonly referred to as the FDCPA, is a USA laws that is designed to protect consumers who have creditors who are attempting to collect a debt from them. It has several features that are designed to accomplish this.

One of the most important things the FDCPA does is provide consumers with a way of disputing debts that they don’t feel they owe to supposed debtors. It also gives a way for consumers to keep track of debts they are responsible for. The FDCPA has teeth. There are penalties that can be applied to companies who break the fair debt collection act.

If the creditor is represented by an attorney, they cannot be contacted without violating the act. There are also specific hours set up that a creditor can contact a debtor. If attempts at contact are made outside of these hours, they are in violation. Creditors are also banned from publishing the consumers name on a ‘debt list’, contacting the consumer after the consumer has asked for validation of the debt and using abusive or profane language.