What is the Fair Debt Collection Practices Act?

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumer rights when it comes to dealing with debt collectors. This law applies to any debt collector or collection agency attempting to collect on debts owed to another person or organization. This law was passed in 1978 and is enforced by the Federal Trade Commission. Under the FDCPA, debt collectors are prohibited from using certain practices in their attempt to collect a debt. For example, debt collectors may not harass, threaten, or use abusive language when trying to collect a debt. Additionally, debt collectors may not call excessively or contact you at work if you have told them not to. Furthermore, debt collectors must provide you with certain information, such as the amount of the debt and the name of the original creditor. They must also provide you with a notice of your rights when collecting a debt. This includes the right to dispute the debt in writing. In Nebraska, each consumer is protected under this federal law. If you are receiving calls from debt collectors or have questions about the Fair Debt Collection Practices Act, you should contact a legal aid office in Nebraska for more information.

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What is the Fair Debt Collection Practices Act?

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