What is the Fair Debt Collection Practices Act?

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from unfair debt collection practices. It was designed to prohibit debt collectors from using abusive, deceptive, or unfair practices when collecting unpaid debts. It applies to personal, family, and household debts, including those incurred for medical care. Under the FDCPA, debt collectors are prohibited from harassing consumers by making excessive phone calls, using profanity, threatening violence, or using any other form of intimidation. The FDCPA also requires that debt collectors provide the consumer with a written notice of the debt and information about how to dispute the debt and obtain verification of the debt. In South Carolina, the Consumer Protection Code provides additional protection for consumers. It also governs debt collection activities within the state. It limits the amount of interest a creditor can charge on unpaid debts and prohibits creditors from using deceptive or unfair practices. The FDCPA and the Consumer Protection Code are both important tools for protecting consumers from unfair and abusive debt collection practices. It is important for South Carolinians to know their rights under these laws. By understanding the FDCPA and Consumer Protection Code, consumers are better equipped to protect themselves from unfair or deceptive debt collection practices.

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What is the Fair Debt Collection Practices Act?

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