Fair Debt Collection Practices Act
The purposes of the Fair Debt Collection Practices Act (FDCPA) are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy.
Top 10 Debt Collection Violations
1. Called you about a debt you do not owe after you informed the collector you do not owe the debt. 2. Called you at work after you told them you cannot receive such calls at work. 3. Left you a message without identifying the company's name. 4. Left you a message without disclosing that the call is from a debt collector. 5. Called third parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information. 6. Disclosed to a third party (family, friends, coworkers, or neighbors) that you owe a debt. 7. Contacted you after you told the collection agency, in writing, to stop contacting you. 8. Threatened you with legal action (such as a lawsuit or wage garnishment) even though the collection agency does not intend to follow through with its threat. 9. Called you before 8:00 AM or after 9:00 PM. 10. Continued to call you after you have told the collector you cannot pay the debt.