Fair Debt Collection Practices Act

Blake, Laramie, & Jordan

Origination- September 30, 1996

Important Elements

FDCPA prohibits collection agencies from using unfair, deceptive or abusive practices . Specific collection practices that are illegal include:
  • Harass you or use oppressive practices.
  • Make false statements.
  • Threaten arrest.
  • Give false information.
  • Use unfair practices.
  • Seize or threaten property.

Suggestions for Businesses & Consumers

  • After the dispute letter, the collector cannot contact you.
  • If you give a debt collector money to make a specific debt payment, the money must be applied to the debt you instructed.
  • A debt collector can't apply your payment to a debt you believe you do not owe.