In 1978 Congress passed the Fair Debt Collection Practices Act (FDCPA) to eliminate abusive practices and regulate the debt collection industry.
According to the Federal Trade Commission’s website:
Section 802 Congressional findings and declarations of purpose
a. Abusive Practices
“There is abundant evidence of the use of abusive practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy.”
From the Federal Trade Commission website regarding FDCPA:
- Debt collectors may contact you only between 8 a.m. and 9 p.m.
- Debt collectors may not contact you at work if they know your employer disapproves.
- Debt collectors may not harass, oppress, or abuse you.
- Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime.
- Debt collectors must identify themselves to you on the phone.
- Debt collectors must stop contacting you if you ask them to do so in writing.
If debt collectors violate any of your rights, then you have the right to seek damages under the Fair Debt Collection Practices Act.
For more information on the FDCPA, you can visit the Federal Trade Commission website.
If debt collectors are calling you and you are drowning in bills, contact a Fort Worth bankruptcy attorney to discuss what course of action may be the best for you.