Index
Consumer ProtectionUnited States (Federal)

Fair Debt Collection Practices Act (FDCPA)

Summary

Prevents third-party debt collectors from using abusive, deceptive, or unfair tactics to collect debts.

Rights & Rules

  • 01.
    Right to demand a collector stop contacting you
  • 02.
    Right to verify the validity of a debt through a written notice
  • 03.
    Protection against harassment, such as threats or late-night calls

Penalties

  • 01.
    Actual damages for physical or emotional distress
  • 02.
    Statutory damages up to $1,000
  • 03.
    Payment of the consumer's attorney fees and court costs

Verified Citations

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