The Fair Debt Collection Practices Act Explained

In this article, we explain the Fair Debt Collection Practices Act (“the FDCPA”). We answer the following questions:

• What is the Fair Debt Collection Practices Act?
• When does the FDCPA apply?
• What are the rules for debt collectors under the FDCPA?
• How can I stop a debt collector from contacting me?
• What is wage garnishment?
• Can a debt collector take money from my paycheck?
• Can a debt collector contact my friends and family about my debt?
• Can a debt collector sue me?
• How to report a violation of the FDCPA
• How to dispute a debt.

What is the Fair Debt Collection Practices Act?

The Fair Debt Collection Practices Act is a federal law that sets forth limitations on the actions that creditors and debt collection agencies may take to collect debt. It is intended to prevent unfair, deceptive and abusive debt collection practices.

When Does the FDCPA Apply?

The FDCPA applies to collection agencies, debt buyers, lawyers and other entities and individuals that regularly collect third party debts…