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.
Learn about changes to the Fair Debt Collection Practices Act that apply to modern technologies and digital communication methods, like texts, emails, voicemails, and social media.
What Is the Statute of Limitations for an FDCPA Case?
The statute of limitations for filing a lawsuit based on Fair Debt Collection Practices Act (FDCPA) violations is generally one year from the time of the offense.
Illegal Debt Collection Practices
Learn what bill collectors can and cannot do under the Fair Debt Collection Practices Act (FDCPA).
What Is the Difference Between a Debt Collector and a Creditor?
Learn the difference between creditors and debt collectors for purposes of the FDCPA.
Top Five Debt Collector Phone Tactics
Read about the most common tactics debt collectors use on the telephone.
Fair Debt Collection Claims in Foreclosure Cases
In some states, lenders and creditors bringing foreclosure actions must comply with the FDCPA.
Does the law restrict the number of times a debt collector can call me?
Federal law limits how often and when debt collectors may call you.
What Can You Do If a Debt Collector Violates the FDCPA?
Here's what you can do if a debt collector harasses you or otherwise violates the law when trying to collect a debt from you.
If a bill collector violates the Fair Debt Collection Practices Act, you may be able to sue and recover money and other damages.
How to Find a Lawyer to Sue a Debt Collector
If debt collectors violate the law, you can sue them. Learn how to find a lawyer to help you.
What happens if a creditor tries to collect a debt during my bankruptcy?
If, after you file for bankruptcy, a creditor continues its collection actions against you, the creditor may be violating bankruptcy's automatic stay.
Is it legal for a debt collector to call my cellphone?
The federal Fair Debt Collection Practices Act (FDCPA) restricts certain types of debt collector calls.
Can a debt collector leave a message on voicemail?
Find the answer here.
Can a debt collector call me late at night?
In most cases, if a debt collector calls you after 9:00 p.m., the collector is in violation of the Fair Debt Collection Practices Act.
Does the law restrict the number of times a debt collector can call me?
Find the answer here.