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Unfair Practices
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Fair Debt Collection Practices Act (FDCPA)
What the Fair Debt Collection Practices Act Does
Under the FDCPA, you have specific rights
Collection agencies MAY NOT:
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- Contact consumers by telephone outside of the hours of 8:00 a.m. to 9:00 p.m. local time
- Fail to cease communication upon request
- Cause a telephone to ring or engage any person in telephone conversation repeatedly with intent to annoy, abuse, or harass any person at the called number
- Communicate with consumers at their place of employment after having been advised that this is unacceptable or prohibited by the employer
- Directly contact a consumer known to be represented by an attorney
- Speak with a consumer after a request for validation has been made
- Misrepresent debt or using deception to collect the debt
- Publish a consumer’s name or address on a “bad debt” list
- Seek unjustified amounts, or demand any amounts not permitted under an applicable contract
- Threatening arrest or legal action that is not permitted or not actually contemplated
- Use abusive or profane language in the course of communication-related to the debt
- Communicate with third parties to reveal or discuss the nature of debts involved (other than the consumer’s spouse or attorney)
- Pursue contact via embarrassing media, such as sending a postcard, or using a symbol or language, other than the debt collector’s address, on any envelope when communicating with a consumer
- Report false information on a consumer’s credit report, or threatening to do so in the process of collection
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