Legal Definitions - FDCPA

FDCPA

The FDCPA, or Fair Debt Collection Practices Act, is a law that restricts the actions of third-party debt collectors in order to prevent them from harassing people who owe money. This law was put in place to protect consumers from abusive and unfair debt collection practices.

Examples of debt collection practices that are prohibited by the FDCPA include:

• Calling a debtor repeatedly or at unreasonable hours
• Using abusive or threatening language
• Publicly disclosing a debtor's debt
• Attempting to collect a debt that is not owed

These examples illustrate how the FDCPA aims to prevent debt collectors from harassing and intimidating people who owe money. By limiting the actions that debt collectors can take, the law helps to ensure that debt collection is done in a fair and respectful manner.