What is the Fair Debt Collection Practices Act?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unfair debt collection practices in the state of Delaware. It was passed by Congress in 1977 to protect consumers from abusive debt collection tactics. The FDCPA prohibits debt collectors from using certain unfair or abusive practices when attempting to collect a debt. These include harassing consumers, using profane language, or threatening legal action. The law also prohibits debt collectors from calling consumers outside of the hours of 8am to 9pm, using false or misleading information, and disclosing information about the debt to third parties. The FDCPA also allows consumers to dispute a debt if they believe it is inaccurate, or if the debt is older than the statute of limitations. In Delaware, the statute of limitations is generally 3 years, meaning a debt collector cannot go to court to collect a debt if it is more than 3 years old. In addition, the FDCPA provides consumers with the right to seek damages if a debt collector violates the law. This means that if a debt collector harasses or abuses a consumer, the consumer may be entitled to damages from the debt collector. The FDCPA is important for protecting consumers from unfair and abusive debt collection practices in Delaware. It provides consumers with the right to dispute a debt, and the right to seek damages if a debt collector violates the law.

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