What Are the Rules for Debt Collectors Under the FDCPA?

Article written by Illinois Attorney Kevin O’Flaherty

In this article we explain rules that debt collectors are required to follow under the Fair Debt Collection Practices Act. We’ll answer the following questions:

· What is the Fair Debt Collection Practices Act?

- When does the FDCPA apply?

· What are debt collectors allowed and not allowed to do?

· What are debt collectors required to do?

· Where and when can a debt collector contact me?

· How can a debt collector contact me?

· How to Report a Violation of the FDCPA

What is the Fair Debt Collection Practices Act?

The Fair Debt Collection Practices Act is a federal law that sets forth limitations on the limitations that debt collectors are allowed to take when collecting a debt. For an overview of the FDCPA, check out our article: The Fair Debt Collection Practices Act Explained.

When does the FDCPA Apply?

The fair debt collection practices act generally applies when third-party collectors seek to collect a consumer debt. It does not apply to business debts or “in-house”…