What is the Fair Debt Collection Practices Act?

  • Fair Debt Collection Practices Act (FDCPA) is a federal law from the late 70s in the US.
  • FDCPA governs and regulates debt collection practices nationwide.
  • It prevents abusive, deceptive, and unfair practices by debt collectors.
  • Covers third-party collectors, setting standards for their behavior.
  • FDCPA enables fee shifting, allowing successful lawyers to collect fees from debt collectors if they win in court.
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