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Fair Debt Collection Practices Act

Are you being harassed or threatened by debt collectors? You don


According to the FDCPA:

  • Debt collectors are only allowed to contact you between 8 a.m. and 9 p.m.
  • Debt collectors are not supposed to contact you at work if they know your employer disapproves.
  • Debt collectors are not allowed to harass, abuse, or oppress you in an effort to collect debts.
  • While collecting debts, debt collectors must not lie to you, such as falsely implying that you have committed a crime.
  • Debt collectors are required to identify themselves clearly to you on the phone. They must not disguise their identity or purpose.
  • If you send a written request, debt collectors are required to stop contacting you.
The FDCPA applies to personal, family, and household debts, including car loans, medical care, and charge accounts.

For further information regarding this law and other consumer and credit-related rights, visit the Federal Trade Commission's web site at www.ftc.gov.


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