What is the Fair Debt Collection Practices Act (FDCPA)?

The FDCPA applies to everyone who collects consumer debts for someone else, including attorneys who collect consumer debts. While creditors collecting their own accounts are excluded from the act, most creditors follow the act's mandates and prohibitions in the interest of using sound and fair business practices.  The FDCPA requires that debt collectors treat debtors fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debts that are owed.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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