The Fair Debt Collection Practices Act – The Big Stick

The greatest weapon available against bill collectors and other abusive debt collection practices is the Fair Debt Collection Practices Act, or the FDCPA for short. This federal law bans unfair debt collection practices like those described above. At least, the FDCPA bans such actions by bill collectors working for collection agencies. It doesn’t apply to the practices of individual creditors attempting to collect money owed to them.

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