What is consumer debt defense law?

Consumer debt defense law is an area of law that seeks to protect consumers from unethical debt collection practices. This law is distinct from bankruptcy law, which is designed to help consumers eliminate existing debt. Consumer debt defense law applies solely to disputes over consumer debt, such as credit cards and personal loans. This law is designed to protect consumers from excessive late fees, aggressive collection practices, inaccurate reporting of debt to credit bureaus, and other unfair or misleading practices. In Delaware, consumer debt defense law falls under the Uniform Debt Collection Practices Act, or UDCPA. This act regulates the behavior of debt collectors in contact with consumers, and prohibits certain unsavory tactics, such as threatening violence or using profanity. The UDCPA also provides consumers with recourse if they feel that a debt collector has violated their rights. If a consumer feels that they have been wronged by a debt collector, they can file a complaint with the Delaware Department of Justice. The Department will then investigate the matter and take appropriate action if necessary. In sum, consumer debt defense law is an area of law designed to protect consumers from unfair and deceptive debt collection practices. It provides consumers with an avenue to dispute their debts and recourse if their rights are violated.

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What is consumer debt defense law?

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