What Is Fair Debt Collection Practices Act?

Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the debt collection practices by debt collectors. This law applies to all the debt collectors—law firms, businesses, and collection agencies—that collect or attempt to collect consumer debts. According to FDCPA, debt collectors cannot use any unfair or deceptive practices while collecting the debts.

What  Are the Debt Collection Practices That Are Prohibited Under FDCPA?

Debt collectors cannot:

• Use  or threaten to use physical force.
• Use  obscene or profane language.
• Publish a list of names of consumers who refuse to pay their debts (except to a credit bureau).
• Make  false, misleading, or deceptive statements.
• Make threats of arrests or intimidation tactics.

What  if a debt collector violates the law ?

If you are contacted by a debt collector who is attempting to collect a debt on which you know you do not owe, or if a debt collector contacts you in violation of the FDCPA, you should contact a Fort Worth bankruptcy attorney immediately. The attorney will be able to review the case, determine whether there is a case against the debt collector, and if so, work to ensure that the debt collector follows the law in the future.

Consulting with a Fort Worth bankruptcy attorney can also put a halt to debt collection practices while you work out your debt obligations in a manner you can afford.