The Fair Debt Collection Practices Act (FDCPA) is a section of the US Consumer Credit Protection Act. The intent of the law is to stop debt harassment. It was added to the Consumer Credit Protection Act in 1978. The FDCPA limits how collection agents conduct business and defines consumers’ rights in dealing with bill collectors. It also assigns penalties and remedies for when they violate these rights.
First, the FDCPA limits the ways that bill collectors can contact people. It is illegal to call before 8 am or after 9 pm. It is also illegal to call places of employment after being told that the employer doesn’t allow it. Continue reading ‘The FDCPA Slaps Restrictions on Bill Collectors’ »
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