What is the Fair Debt Collections and Practices Act?

By Mark E. Godbey, Lawyer Referral Service Panelist

The Fair Debt Collection and Practices Act (FDCPA) prohibits debt collectors from using abusive, decep­tive, and unfair debt collection practices. If a consumer receives an abusive call from a debt collector, he or she can inform the caller that they may be in violation of the FDCPA. Since debt collection calls are recorded, the debt collector caller will usually back off at that point. Consumers can also report that debt collection agency to the Better Business Bureau.  Also, debt collection agencies are not allowed to call your employer, though they will, but you can request that they don’t.   There are a lot of violations of the FDCPA by debt collection agencies that many consumers are not aware of.

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