What is the Fair Debt Collection Practices Act (FDCPA)?

Posted on 10 12,2013

The Fair Debt Collection Practices Act (FDCPA) was enacted in 1977, as part of the Consumer Credit Protection Act, to help protect consumers against the deceptive, unethical, and abusive collection efforts being made by collection agencies trying to collect on unpaid debts. The FDCPA provides clear and concise regulations which debt collectors must adhere to when contacting consumers about their delinquent accounts and outstanding debt.


Creditors are not allowed to threaten you with any type of legal action unless they are truly intent on following through on that action. They are not allowed to contact any third party who is not a co-signer on the debt, such as a family member, friend, employer or other individual, in an effort to collect upon your debt. Harassing and/or repeated calls, particularly those made between the hours of 9 pm and 8 am, are not allowed unless the debtor gives r explicit consent. Abusive, obscene or offensive behavior is also a violation of the FDCPA.

If you have fallen behind on your bills and are being aggressively pursued by debt collectors or collection agencies, who are attempting to collect upon your delinquent accounts, it is vital that you understand your consumer rights. The attorneys at the David McCormick Law Group have years of experience protecting clients against unfair and illegal collection efforts. We understand the unlawful tactics these types of individuals and organizations may use to try to pressure debtors into paying on a bill, and we work diligently to see that the rights and interests of our clients are fully protected under the FDCPA. To discuss your financial situation and find out how to take legal action against any company that has violated your rights, contact a Virginia Beach bankruptcy attorney at our firm today.

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