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Fair Debt Collection Practices Act (FDCPA)

Definition - What does Fair Debt Collection Practices Act (FDCPA) mean?

The Fair Debt Collection Practices Act (FDCPA) is a consumer protection amendment to the Consumer Credit Protection Act of the United States. It was approved in September of 1977 and became effective in March 1978. The FDCPA was enacted to eliminate the abusive and deceptive debt collection practices used by debt collectors. It restricts the way, means, and methods that debt collectors can employ in recovering their debts.

Justipedia explains Fair Debt Collection Practices Act (FDCPA)

The FDCPA doesn’t apply to any form of corporate debt or debt owed for business and agricultural purposes, but is restricted to household and personal debt. All types of debt collectors who regularly collect or attempt to collect consumer debt for an individual(s) or institution(s) or who uses a name other than their own while collecting the consumer debts it provided are covered under the FDCPA. The FDCPA prohibits debt collectors from contacting consumers during unusual times or from contacting the consumer at all if he or she refuses to pay the debt in writing or requests that the collector cease any further communication.

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