Index
Consumer ProtectionUnited States (Federal)

Fair Debt Collection Practices Act (FDCPA)

Summary

Eliminates abusive debt collection practices by debt collectors and provides consumers with a means for challenging debt payoffs.

Rights & Rules

  • 01.
    Right to stop a debt collector from contacting you by sending a written request.
  • 02.
    Right to receive a debt validation notice within five days of first contact.
  • 03.
    Right to sue debt collectors for harassment or false statements.

Penalties

  • 01.
    Statutory damages up to $1,000 per proceeding
  • 02.
    Recovery of actual damages
  • 03.
    Payment of consumer's legal costs and attorney fees

Verified Citations

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