Summary Of The Fair Debt Collection Practices Act

The federal Fair Debt Collection Practices Act (Act) is the main federal law that governs debt collection practices. The Act prohibits debt collection companies from harassing you by using abusive, unfair or deceptive practices to collect past due debts from you.
Some examples of prohibited acts are:

Image courtesy of tigger11th at FreeDigitalPhotos.net

• Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone
• Obscene or profane language
• Threats of violence or harm
• Publishing lists of people who refuse to pay their debts (this does not include reporting information to a credit reporting company)
• Calling you without telling you who they are

The Act covers personal debt, not debts for business purposes. It also does not generally cover collection by the original creditor to whom you may owe the debt. Rather, it governs the actions of third party debt collectors. Pennsylvania has a statute that extends these same types of protections to consumers from actions by the original creditor...

This article continues and the original can be found on our website here or generally go to www.whhmlaw.com for more information on our firm.

#Bucks #lawyer #lawyers #Attorney #Montgomery #Pottstown #Souderton #Law_Firm #Debt #Collection #Pennsylvania