Fair Debt Collection Practices Act

Abusive debt collection practices contribute to a number of personal bankruptcies, marital instability, the loss of jobs, and invasions of individual privacy. The Fair Debt Collection Practices Act (FDCPA) was enacted in 1996 to protect individuals from all debt collectors.

Before the enactment of the FDCPA, there was abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.

The purpose of the FDCPA is to:

If you'd like to view the full text of the Fair Debt Collection Practices Act, please visit the Federal Trade Commission’s website.

This article was used with permission from National Foundation for Credit Counseling, a national non-profit network of 1,450 Neighborhood Financial Care CentersTM designed to provide assistance to people dealing with stressful financial situations. The National Foundation for Credit Counseling (NFCC)® is dedicated to budget and credit education and counseling.

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