What is the Fair Debt Collection Practices Act?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that was enacted in 1978. This law is designed to protect consumers from unfair and harassing debt collection practices. In Kansas, this law sets limits on how debt collectors can contact you about a debt. Under the FDCPA, debt collectors cannot harass you, use offensive language, or threaten to sue you without your consent. They also cannot lie to you or make false claims about the debt or the consequences of not paying it. Debt collectors also cannot call you before 8 a.m. or after 9 p.m. or contact you at work if they know your company does not allow it. The FDCPA also requires that debt collectors provide written notification to consumers once they start collecting a debt. The notification must include information such as the amount owed, the creditor to whom the debt is owed, and a statement that the consumer has a right to dispute the debt. Finally, the FDCPA requires debt collectors to stop collection efforts if a consumer notifies the debt collector in writing that they dispute the debt or that they can no longer pay it. The FDCPA provides important protections for consumers in Kansas, and it is important for consumers to understand their rights under this law.

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What is the Fair Debt Collection Practices Act?

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