This is Part Two of two episodes that explains the Most Common Violations of the Fair Debt Collections Practices Act, (FDCPA) and what rights you have as a consumer. Many times debtors are hassled in a number of ways by creditors and in particular by 3rd party debit collection agencies. Don’t put up with this. Know your rights and know their responsibilities. Many of these violations center around Debt Validation.



If you want to Fix Your Credit, Build Your Credit, or Maintain the Credit You already have Go To:

Click HERE for the ULTIMATE Credit Repair Course! >

If you would like to learn more check out the FREE Webinar:

Click Here for the FREE Webinar >

The Fair Debt Collection Practices Act

The fair debt collection practices act, called FDCPA, for short, protects consumers from unfair and unethical debt collection practices typically from third-party collectors as part of a larger law called the consumer credit protection act and was established back in 1977.

Chances are if you’re in default on any debt you’ve probably received a call or numerous calls from some debt collector wanting you to make some payments.

Congress created the FDCPA primarily to prohibit debt collectors from using deceptive or abusive practice or unfair business practices when collecting debts. There is numerous restrictions on what debt collectors are allowed to do and What they are NOT allowed to do, when the collecting debts and this law provides consumers with certain rights and remedies against those who violate any of its provisions.

Now that being said the FDCPA generally only applies to third-party debt collectors not Creditors, which I address in another episode.