What is the Fair Debt Collection Practices Act?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unfair and abusive debt collection practices. It was passed in 1978 and is enforced by the Federal Trade Commission. In Delaware, the FDCPA prohibits debt collectors from using harassing or abusive practices. This includes calling after 9 p.m., using offensive language, calling more than once a week, and any other intimidating behavior. It also prohibits debt collectors from making false or misleading statements, such as saying that they are lawyers or that they work for a credit reporting agency. The FDCPA also requires that debt collectors provide certain information to consumers. This includes the amount of debt owed, the name of the creditor and the date of the last payment. It also requires debt collectors to provide consumers with a written statement which includes the amount of debt, the name of the creditor, the date of the last payment, and a statement of rights. The FDCPA also provides consumers with certain rights, such as the right to dispute a debt or to request verification of a debt. Consumers also have the right to receive notice of legal action and the right to sue a debt collector that violates the FDCPA. The FDCPA is an important law that protects Delaware consumers from unfair and abusive debt collection practices. It ensures that debt collectors are held to a certain standard and that consumers have rights against debt collectors that violate the law.

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What is the Fair Debt Collection Practices Act?

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