Collection agencies and bill collectors in all 50 states are governed by the federal Fair Debt Collection Practices Act. The FDPA prohibits debt collectors from engaging in abusive, unfair, and deceptive collection tactics.
Many states have their own fair debt collection laws as well. Some of these laws mirror the FDCPA. However, some offer more protection to consumers by, for example, covering creditors as well as collectors, specifying additional types of behavior that violate state law, or providing for additional types of damages. Below you can learn about the fair debt collection laws in various states.
(To learn about the FDCPA, visit Nolo's Illegal Debt Collection Practices area.)