The federal Fair Debt Collection Practices Act (FDCPA) governs the behavior of debt collectors and debt collection agencies. It places limits on what they can do to try to collect debts from you. Unfortunately, despite the law, some bill collectors still engage in illegal debt collection practices. If the debt collector comes calling, make sure you understand what debt collection agencies can and cannot do under the law.
In this section, you can learn who the FDCPA applies to and what debt collection practices are not allowed.