The Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq (FDCPA) was enacted by Congress to prevent the use of abusive, deceptive, and unfair debt collection practices by debt collectors. Congress noted that harassing debt collection activities by debt collectors contribute to an increased number of personal bankruptcies, marital instability, to the loss of jobs, and to invasions of individual privacy.

The FDCPA prohibits many abusive actions by debt collectors including, but not limited to:

• Engaging in any conduct the natural consequence of which is to harass, oppress, or abuse;
• Using obscene or profane language in collecting consumer debts;
• Causing a phone to ring repeatedly with the intent to annoy;
• Making false, deceptive or misleading representations;
• Threatening any action which cannot legally be taken; and
• Using unfair or unconscionable means to collect consumer debts.

At First Coast Consumer Law we will work diligently to enforce your rights against the illegal and harassing collection activities often engaged in by debt collectors.