Index
Consumer ProtectionUnited States (Federal)

Fair Debt Collection Practices Act (FDCPA)

Summary

Prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from consumers.

Rights & Rules

  • 01.
    Right to stop debt collectors from contacting you at work if told they cannot.
  • 02.
    Right to request verification of the debt within 30 days of the first contact.
  • 03.
    Right to sue a collector for harassment or false statements.

Penalties

  • 01.
    Actual damages for physical or emotional distress.
  • 02.
    Statutory damages up to $1,000.
  • 03.
    Court costs and attorney fees.

Verified Citations

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