Fair Debt Collection Practice Act
Know Your Rights
You should view the entire
Fair Debt Collection Practice
Act and become familiar with your rights and responsibilities as a debtor.
It is quite lengthy so we have listed the chapter outline here from the U.
S.

Government
web site as well as detailed some of the more frequently asked questions from
consumers. You can also listen to a short MP3 version of a radio recording
from the FTC.
Sections 803 through 812 are of primary concern to debtors including what
actions debt collectors may and may not take, what constitutes abuse, harassment
and illegal actions, as well as section 813 which outlines civil liability
for violation of the Fair Debt Collection Practice Act.
If you use credit cards, owe money on a personal loan, or are paying on a
home mortgage, you are a "debtor." If you fall behind in repaying your creditors,
or an error is made on your accounts, you may be contacted by a "debt collector."
You should know that in either situation, the Fair Debt Collection Practices
Act requires that debt collectors treat you fairly by prohibiting certain
methods of debt collection. Of course, the law does not forgive any legitimate
debt you owe.
Check out these commonly asked questions from the FTC about your rights under
the Fair Debt Collection Practices Act.
You can call any attorney in your area, or you can get a list of qualified attorneys
that know the debt and credit laws and how they apply to your particular situation.
We highly recommend that you be smart and safe! Use a
free online legal access
service that lets you
review
the backgrounds of pre-screened local attorneys, then you decide who to call,
plus the service is absolutely free and confidential!
Related Sites & Services
It would be to your advantage to review the provisions of the
Fair
Debt Collection Practice Act for your own protection.
U. S. Government Fair Debt Collection Practice Act Chapters
TITLE VIII - DEBT COLLECTION PRACTICES
Sec.
801.
Short Title
802.
Congressional findings and declaration of purpose
803.
Definitions
804.
Acquisition of location information
805.
Communication in connection with debt collection
806.
Harassment or abuse
807.
False or misleading representations
808.
Unfair practice
809.
Validation of debts
810.
Multiple debts
811.
Legal actions by debt collectors
812.
Furnishing certain deceptive forms
813.
Civil liability under the FDPCA
814.
Administrative enforcement Fair Debt Practice Collection Act
815.
Reports to Congress by the Commission
816.
Fair Debt Collection Practice Act Relation to State laws
817.
Exemption for State regulation
818.
Effective date of Fair Debt Collection Practice Act
The FTC works for the consumer to prevent fraudulent, deceptive and unfair
business practices in the marketplace and to provide information to help consumers
spot, stop and avoid them.
To
file
a complaint or to get
free information on consumer
issues, visit the
http://www.ftc.gov/ or call toll-free,
1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261.
The FTC enters Internet, telemarketing, identity theft and other fraud-related
complaints in to
Consumer Sentinel,
a secure, online database available to hundreds of civil and criminal law
enforcement agencies in the U.S. and abroad.
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Fair Debt Collection Practice
Act
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Fair Debt Collection Practice Act. Know your rights
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