What is the FDCPA?
Created in 1978, the Fair Debt Collection Practices Act ('FDCPA') is legislation aimed at protecting consumers from unfair and illegal debt collection tactics. The law outlines a set of rules that debt collectors must abide by and sets out specific actions that debt collectors must refrain from doing such as:
- Calling before 8:00 am or after 9:00pm
- Making repeated calls to harass or annoy
- Stating false or misleading information
- Using profane, abusive or threatening language
Once a debt collector violates the FDCPA, they are liable for statutory damages of up to $1,000 + actual damages, if any. One of the key features of the FDCPA is it's fee shifting provision. This provision ensures that our fees are paid by the debt collector, not you, in the event of a successful outcome.