FDCPA PDF

THE FAIR DEBT COLLECTION PRACTICES ACT IS A VERY IMPORTANT READ. YOU WANT TO BE INFORMED AND UNDERSTAND YOUR RIGHTS ESPECIALLY WHILE USING CREDIT. STOP CALLING DEBT COLLECTORS, DEBT COLLECTORS WHO ARE NOT DEBT COLLECTORS.

The Fair Debt Collection Practices Act (FDCPA) (15 USC 1692 et seq.), which became effective in March 1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. It also protects reputable debt collectors from unfair competition and encourages consistent state action to protect consumers from abuses in debt collection.

The FDCPA applies only to the collection of debt incurred by a consumer primarily for personal, family, or household purposes. It does not apply to the collection of corporate debt or debt owed for business or agricultural purposes.

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