The Fair Debt Collection Practices Act (FDCPA) strictly regulates third-party collection agencies and prohibits abusive, deceptive, and unfair debt collection practices.
Statutory Collector Restrictions
- Time & Place Restrictions: Collectors may not contact consumers before 8:00 AM or after 9:00 PM local time, nor call a workplace once informed that employers prohibit personal calls.
- Mandatory Debt Validation: Upon written request within 30 days of initial contact, collectors must cease all collection activities until they provide written verification of the original debt amount and creditor.