What is the Fair Debt Collection Practices Act (FDCPA)?
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive debt collection practices in Washington. It was enacted in 1977 and is enforced by the Federal Trade Commission (FTC). The FDCPA prohibits debt collectors from using unfair, deceptive, or abusive practices when attempting to collect from consumers. It also puts limits on how and when debt collectors can contact consumers. For example, debt collectors are not allowed to harass, threaten, or lie to consumers when attempting to collect debts. The FDCPA also allows consumers to dispute the debt if they believe it is incorrect or unenforceable. If the consumer does dispute the debt, the debt collector is required to provide verification of the debt to the consumer. Additionally, the FDCPA prohibits debt collectors from engaging in unfair practices such as calling at inconvenient times or places, or repeatedly calling the consumer. The FDCPA also requires debt collectors to provide the consumer with specific information, such as the amount of the debt, and the name of the original creditor. The FDCPA is an important law that helps protect consumers from abusive debt collection practices in Washington. If a consumer believes they have been subjected to illegal collection practices, they have the right to file a complaint with the FTC.
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