The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from debt collectors that harass, mislead, defame, and use other bad tactics in trying to collect debts. The FDCPA is available both as a defense to a debt and as a counterclaim. States and State Courts can enforce the FDCPA and many states have their own laws that supplement the protections offered in the FDCPA.
Many different types of actions are covered by the FDCPA, but the most common bad actions are: failing to provide validation of the debt; contacting neighbors, friends, or family; harassment; threats; and misleading the consumer. It is important to note that the FDCPA only applies to “debt collectors” which is a limited term.
If you believe you are the victim of harassing collection efforts or that a collection agency pursuing you has violated the FDCPA, please contact the Hurtt Law Firm to schedule an appointment to review your legal rights. In addition to eliminating your debt, you may be able to recover compensation from the debt collector.