What is an FDCPA violation?

An FDCPA violation occurs when a debt collector violates the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that applies to debt collectors and sets standards for how they must treat consumers when attempting to collect debts. Some of the protections given to consumers under the FDCPA include the prohibition of harassing or abusive language, making threats of any kind, or attempting to collect more than what the consumer actually owes. Debt collectors must also respect a consumer’s right to privacy and must not call them excessively or at unreasonable times. Under the FDCPA, consumers who feel that their rights have been violated by debt collectors can take legal action and file a lawsuit. A successful FDCPA lawsuit may result in debt collectors being required to pay legal fees, damages for harassment or other violations, and any other relief deemed appropriate by a court. In Wisconsin, the Consumer Debt Defense Law also provides additional protections for consumers from debt collectors. This law allows consumers to bring lawsuits against debt collectors for certain deceptive practices and to recover certain statutory damages in some cases.

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What is an FDCPA violation?

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