Today’s episode is going to cover the eight most common violations of the fair debt collection practices act. Now this is gonna be the first in a two-part series of episodes where I go to all the possible violations that a debt collector could commit with you as a consumer.
The next episode is going to cover the other seven not as common mistakes that debt collectors and creditors make when they’re contacting you as a consumer. And here’s the thing. It doesn’t matter how common they are, ANY violation could give you a reason to at the very least have something removed from your credit and at the very most sue the debt collector for damages. That’s your right under the fair debt collection practices act.
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The Fair Debt Collection Practices Act, (FDCPA)
The Fair Debt Collection Practices Act, in short called FDCPA, protects consumers from unfair and unethical debt collection practices typically of 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 just unfair practices when collecting debts. There are numerous restrictions on what debt collectors are allowed to do or say when the collecting debts and this law provides consumers with certain rights and remedies against the companies who violate any of its provisions.
Now that being said the FDCPA generally only applies to third-party debt collectors not Creditors. Let me explain the difference.
