Attorneys

Fair Debt Collection Practices Act FAQs

• Q: May A Debt Collector Continue To Contact You If You Believe You Do Not Owe Money?
  A: A collector may not contact you if, within 30 days after you are first contacted, you send the collection agency a letter stating you do not owe money. However, a … More
• Q: What Types Of Debt Collection Practices Are Prohibited?
  A: Debt collectors may not harass, oppress, or abuse any person. For example, debt collectors may not: falsely imply that they are attorneys or government … More
• Q: I Read That Debt Collectors Can Not Engage In Any "unfair Practices" – What Does That Mean?
  A: That is correct. Debt collectors may not engage in unfair practices in attempting to collect a debt. For example, collectors may not: collect any amount greater than … More
• Q: What Control Do You Have Over Payment Of Debts?
  A: If you owe more than one debt, any payment you make must be applied to the debt you indicate. A debt collector may not apply a payment to any debt you believe you do … More
• Q: What Can You Do If You Believe A Debt Collector Violated The Law?
  A: You have the right to sue a collector in a state or federal court within one year from the date you believe the law was violated. If your win, you may recover money … More
• Q: Where Can You Report A Debt Collector For An Alleged Violation Of The Law?
  A: Report any problems you have with a debt collector to the Department of Consumer Affairs and the Federal Trade Commission.  If you have questions about the Fair … More