What is the Fair Debt Collection Practices Act?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the way debt collectors can behave when trying to collect on a debt from a consumer. This law applies in all states, including Nebraska. Under the FDCPA, debt collectors are prohibited from using any abusive, deceptive, or unfair practices in order to collect a debt from a consumer. This includes the following activities: • Harassing consumers by using threats of violence, obscene language, or by calling them repeatedly • Making false claims or misrepresentations when trying to collect a debt • Calling consumers at unreasonable hours of the day • Attempting to collect interest, fees, or other charges not authorized by the original loan agreement • Contacting the consumer at their workplace after they have been told not to • Misrepresenting the amount or legal status of a debt The FDCPA has numerous other important provisions that protect consumers from unfair debt collection practices. It is important for consumers to be aware of their rights under the FDCPA so they can identify and take appropriate action to protect themselves from illegal or disruptive debt collection activities.

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What is the Fair Debt Collection Practices Act?

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