The Fair Debt Collection Practices
Act
Abusive debt collection
practices contribute to a number of personal bankruptcies, marital
instability, the loss of jobs, and invasions of individual privacy.
The Fair Debt Collection Practices Act (FDCPA) was enacted in
1996 to protect individuals from all debt collectors.
Before the enactment of the FDCPA, there was abundant evidence
of the use of abusive, deceptive, and unfair debt collection
practices by many debt collectors.
The purpose of the FDCPA is to:
 | Eliminate abusive debt collection
practices by debt collectors.
| Ensure that those debt collectors
who refrain from using abusive debt collection practices are
not competitively disadvantaged.
| Promote consistent State action
to protect consumers against debt collection abuses.
| |
If you'd like to view the full text of the Fair Debt Collection Practices Act, please click here.