The Fair Debt Collection Practices Act (FDCPA) became the law in 1978. The intent of the FDCPA to protect people from abusive, deceptive, and unfair debt collection practices.
How do I know if the Fair Debt Collection Practices Act protects me?
The first thing you want to know is who is contacting you. Is it the same business from whom you purchased goods, services or a loan or is it a debt collector (someone who purchased the debt or is collecting on behalf of the original seller/lender). If it is a debt collector, the Fair Debt Collection Practices Act protects you in many ways. If it is not, you should consult an attorney with your concerns. The information in the debt collection section applies only to debt collectors.
If you're a low-wage worker, you may call our office for a free consultation on how the FDCPA might protect you from unfair debt collection practices.
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