The Fair Debt Collection Practices Act or FDCPA is a law that safeguards against harassment caused by debt collectors. It is a set of guidelines that collectors must follow, or face action if found to be violating them.
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Read the checklist below to get a better idea of what the FDCPA law outlines:
- Types of debt include those incurred through purchases for family, household, personal and medical reasons. This includes credit card debt as well.
- Debt collectors can only contact you by mail, telephone or fax. Contacting between 9 p.m. and 8 a.m. is not allowed, unless mutually agreed upon. They cannot contact you at your workplace.
- You can prohibit a debt collector from contacting you by writing to them.
- The debt collector cannot inform anyone else about your loan except to find out details about where you live or work.
- Debt collectors, when collecting information about you can identify themselves and their collection services. They may not disclose the purpose of the call though.
- Debt collectors need to send you a written notice on the debt, including details of the creditor and the action to be taken.
- If a collection agency violates this norm, you can demand a second written notice.
- If you send the collection agency proof that you do not owe anybody the money within 30 days of establishing first contact with you, they need to stop contacting you.
If you feel you are being harassed by a debt collector, simply call us at (855) 254-7841 to discuss your situation and to find a solution for it.