Debt Collection Act-For your guaranteed protection from all your debt payments!

The Fair Debt Collection Practices Act, or FDCPA, is a law designed to protect you from unfair and illegal practices by collection agencies and outlines the rules a collection agency must follow while attempting to collect debts. Federal Fair Debt Collection Practice Act ensures your protection.

Fair Debt Collection Act-Your safety in our safe hands!

A debt collection agency can contact you only during proper working hours and not reach out to him at office. They can no more contact you in the night or at odd times. You’re protected against such unfair and illegal practices. Furthermore, a collection agency can only contact friends or relatives to ascertain your contact information and must never reveal to an outside party the nature of their business with you.

Creditors or debt collection agencies should abstain from impolite language or otherwise engage in acts that would be considered unprofessional. They must always correctly identify themselves to you and may not threaten you. If you have any questions, they should do their best to answer them in a professional manner. They can’t collect more than what you owe to them.

Debt Collection Act helps debtors understand the collection process so that they’re not taken for a ride. Be sure to document all of your conversations with them and keep a record of all correspondence to back up your claim of harassment. . If you feel that you have not been informed of your rights, or that those rights have been violated, you should contact the authorities and lodge a formal complaint against the agency in question.