The Fair Debt Collection Practices Act, or FDCPA, was enacted nearly 40 years ago to protect consumers from harassment from third party debt collectors. It has helped countless consumers across the country stop debt collectors from calling endlessly, threatening to sue, or preforming other illegal activities in attempt to collect a debt. Although the law is decades old, many consumers do not understand it, or even know the FDCPA exists! If you believe that your rights have been violated, or are just looking to learn more information about the FDCPA, our FAQ can help you understand your rights.
Before a claim is filed
- How do I settle a debt?
- What does "sent to collections" mean?
- What is needed to file an FDCPA claim?
- How to tell if a collection agency is legitimate?
- What types of damages are involved in an FDCPA claim?
- What is an original creditor vs. another creditor?
- Are collection agencies required to provide Spanish speaking representatives?
- Can a debt collector retain your bank account?
- What's the difference between a loan servicer and a debt collector?
- What is the statute of limitations for a debt?
- What materials will I need to keep to have a strong case?
During your FDCPA lawsuit
- But I'm afraid of filing a claim?
- What is a "summons" and "complaint"?
- What is a note summarizing collections?
- Do I have to appear in court if I file a claim?
- How long do I have to respond to a court summons?
- How do I answer a court summons?
- How much could I actually earn from an FDCPA lawsuit?