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   What is the Fair Debt Collection Practices Act?

   • The Fair Debt Collection Practices Act outlines the rules that debt collectors must follow when attempting to collect a debt. Learn what debt collectors can’t do, the difference between third party & in-house collection, & your rights as a consumer.

   Fair Debt Collection Practices Act: What You Should Know

   www.debt.org/credit/your-consumer-rights/fair-debt-collection-practices-act/

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   What if a collection agency violates the law?

   • If you feel like the collection agency has violated the law, respond with your own lawsuit by the date specified in the court papers. This is important to preserve your rights. The Fair Debt Collection Practices Act outlines the rules that debt collectors must follow when attempting to collect a debt.

   Fair Debt Collection Practices Act: What You Should Know

   www.debt.org/credit/your-consumer-rights/fair-debt-collection-practices-act/

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   What are the rules for a debt collection agency?

   • Those rules include: They must identify themselves as a debt collection agency and give their name and the address for the collection agency. They must tell you the name of the creditor (company or person you owe), the amount you owe and how you can dispute the debt or seek verification of the debt.

   Debt Collection Laws: Collections Process, Practices & Methods

   www.debt.org/credit/collection-agencies/debt-collectors/

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   What laws protect against unfair and deceptive debt collection practices?

   • In addition, there are state laws that provide protections against unfair and deceptive practices. The Fair Debt Collection Practices Act (FDCPA) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.

   What laws limit what debt collectors can say or do?

   www.consumerfinance.gov/ask-cfpb/what-laws-limit-what-debt-collectors-can-say-or-do-en-329/

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2. www.consumerfinance.gov › debt-collectionDebt collection | Consumer Financial Protection Bureau

   www.consumerfinance.gov › debt-collection

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   Understand how the CFPB’s Debt Collection Rule can help you. On November 30, 2021, the Debt Collection Rule became effective. The rule clarifies how debt collectors can communicate with you, including what information they’re required to provide you. Learn more about the new debt collection rule.

   • What Should I Do When a Debt Collector Contacts Me

     For example, if the debt collector is calling you at an...

   • Explore Your Rights

     Learn about debt collection, harassment, and more. A few...

   • Explore Key Terms

     Learn about debt collection, harassment, and more....

   • Submit a Complaint

     If the victim is an older person or a person with a...

   • Learn What Could Happen If You Avoid a Debt Collector

     If you ignore a debt collector’s attempts to contact you and...

   • Explore How-To Guides

     Debt collection Basics Key terms Common issues Know your...

   • There Are Laws That Limit What Debt Collectors Can Say Or Do

     Under the FDCPA, debt collectors can include collection...

   • Basics

     Explore guides to help you plan for big financial goals;...

   • The Bureau

     The CFPB was created to provide a single point of...

   • Unfair

     The Fair Debt Collection Practices Act (FDCPA) prohibits...

3. www.debt.org › fair-debt-collection-practices-actFair Debt Collection Practices Act: What You Should Know

   www.debt.org › fair-debt-collection-practices-act

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   May 21, 2020 · The Federal Trade Commission uses the FDCPA to block debt agencies from using abusive, unfair or deceptive practices to collect from consumers. Though the law is clear, many collectors don’t play by the rules and complaints against them abound. In House vs. Third-Party Debt Collectors.

   • in House vs. Third-Party Debt Collectors

     Debt collectors don’t necessarily represent the credit-card issuer, company or bank that lent or advanced you money. Some represent card issuers an...
   • Rules of Engagement: What Collectors Can and Can’T Do

     Borrowers are obligated to pay their debts or work with a nonprofit debt counselor or debt management firm to arrive at a repayment plan. But if yo...
   • In-House Collectors Follow Different Rules

     The FDCPA contains a loophole for so-called in-house collections. An in-house collector is a branch of the bank, retailer or credit-card firm that...
   • Actions Consumers Can Take Under The FDCPA

     If you believe a debt collector has violated the law, take action. You reserve the right to sue a collector in a state or federal court within one...
   • What If A Debt Collector Sues Me?

     If you are sued over a debt, make sure you, or your lawyer, appear in court on the scheduled date. If you don’t make an appearance, the judgment au...

4. www.debt.org › credit › collection-agenciesDebt Collection Laws: Collections Process, Practices & Methods

   www.debt.org › credit › collection-agencies

   • Cached

   Feb 23, 2024 · Those rules include: They must identify themselves as a debt collection agency and give their name and the address for the collection agency. They must tell you the name of the creditor (company or person you owe), the amount you owe and how you can dispute the debt or seek verification of the debt.

5. Videos

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     investopedia.com

     Fair Debt Collection Practices Act (FDCPA): Definition and Rules

     Sep 14, 2012

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     consumer.ftc.gov

     Debt Collection FAQs

     Jun 27, 2018

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     consumerfinance.gov

     Debt collection | Consumer Financial Protection Bureau

     Jan 11, 2017

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6. www.ftc.gov › credit-finance › debt-collectionDebt Collection | Federal Trade Commission

   www.ftc.gov › credit-finance › debt-collection

   • Cached

   Debt Collection. FinTech. Mortgages. Payments and Billing. The Fair Debt Collection Practices Act protects consumers from abusive or harassing treatment by debt collectors and establishes guidelines for the industry. Is your company complying with the law? Featured. Banned Debt Collectors. Plain Language Guidance. Buying or selling debts?

7. www.ftc.gov › fair-debt-collection-practices-actFair Debt Collection Practices Act | Federal Trade Commission

   www.ftc.gov › fair-debt-collection-practices-act

   • Cached

   Jul 7, 2010 · Debt Collection. fair-debt-collection-practices-act.pdf (368.55 KB) https://bulkorder.ftc.gov/publications/fair-debt-collection-practices-act. The Fair Debt Collection Practices Act spells out rights and responsibilities when collecting debts. Here's where you can find the complete text of the law. July 2010. Report Fraud. Get Consumer Alerts.

8. www.justia.com › debt-management › creditorHow the Fair Debt Collection Practices Act (FDCPA) Legally ...

   www.justia.com › debt-management › creditor

   • Cached

   Oct 18, 2023 · The Fair Debt Collection Practices Act (FDCPA) is a federal law that controls the actions of collection agencies toward debtors. Many of these rules affect not only the statements that agencies make during the collections process but also the ways in which they interact with the debtor or third parties.