The Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq., is a United States statute added in 1978 as Title VIII of the Consumer Credit Protection Act. Its purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.
Other articles related to "debt, practice, fair debt collection practices act":
... A large share of all civil cases filed in state courts are debt collection cases ... civil cases filed in the courts of inferior jurisdiction were debt collection and eviction cases, while in the court of general jurisdiction, about 60% of all ... In practice, almost all real property evictions and foreclosures are handled in state court ...
... This report details consumer complaints to the FTC about alleged debt collector violations of the FDCPA ... that the FTC received 78,838 consumer complaints about third party debt collectors in 2008, which is an increase from the 70,951 received in 2007 ... The FTC receives more complaints about debt collectors than about any other specific industry, though the number of complaints represents a small percentage of the overall number ...
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