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Simple English definitions for legal terms

Fair Debt Collection Practices Act (FDCPA)

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A quick definition of Fair Debt Collection Practices Act (FDCPA):

The Fair Debt Collection Practices Act (FDCPA) is a law that protects people from being harassed by debt collectors. Debt collectors can only contact people between 8 AM and 9 PM, and they have to stop contacting them if asked to do so. They also can't talk to other people about the debt or lie or threaten people to get them to pay. If a debt collector breaks these rules, the person they are trying to collect from can sue them for money and lawyer fees.

A more thorough explanation:

The Fair Debt Collection Practices Act (FDCPA) is a law that protects consumers from harassment by debt collectors. Debt collectors are people or companies hired to collect money that is owed to someone else. The FDCPA sets rules for how debt collectors can contact consumers and what they can say to them.

Some examples of what debt collectors are not allowed to do under the FDCPA include:

  • Calling consumers before 8 AM or after 9 PM, unless the consumer agrees to it
  • Continuing to contact a consumer after they have asked the debt collector to stop
  • Discussing a consumer's debt with anyone else, like their family or friends
  • Threatening or deceiving a consumer in order to collect a debt

If a debt collector breaks any of these rules, the consumer can sue them for damages and attorney fees.

For example, if a debt collector calls a consumer at 7 AM every morning and refuses to stop even after the consumer asks them to, that would be a violation of the FDCPA. The consumer could sue the debt collector for damages and attorney fees.

Another example would be if a debt collector tells a consumer that they will go to jail if they don't pay their debt, even though that is not true. This would also be a violation of the FDCPA.

Fair Debt Collection Practices Act | Fair Housing Act & Fair Housing Amendments Act

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MIAMI A
[] AromaticTroubledDormouse
20:55
How does one know if they are UR1 or UR2?
[] AromaticTroubledDormouse
20:56
CONGRATS MACAQUE!
TY
got a random stanford email and almost had a heart attack
ALSO CONGRATS!
Congrats1!
21:15
Miami A, yall I'm so excited I could cry.
21:15
Feel like I can finally stop holding my breath!! Whew!!!
[] baddestbunny
22:16
every time I get accosted by a strange man who follows me around because my male coworkers were too busy talking to walk me back to my car I get closer to saying we need to bring back traditional gender roles
Dkk
22:32
Nice! @Macaque
Dkk
22:32
@Aromatic, Have to guess.
Dkk
22:33
That sucks @Bunny do you have to go to the hospital?
[] baddestbunny
22:40
I said accosted not assaulted
23:35
guys. my notre dame address just went long is this good or bad
1a2b3c4d26z
23:37
Oooooo me too
23:37
omg is this good or bad
Dkk
23:47
Idk if gender roles are gunna fix that then.
23:49
it looks like most people who applied in october last cycle didn't get a decision until january... does it even mean anything that our addresses went long??
hows ED 2 compared to ED 1?
Dkk
0:10
No idea
windyMagician
0:34
reporting live to say my ndls address also went long
does it mean anything ^
Dkk
2:21
NDLS and Fordham took a very long time last year. It's good info for people to know.
[] baddestbunny
4:29
let’s get after it boys and girls
Dkk
5:21
I gtg to bed soon.
Dkk
5:22
Big day today. Gunna be a crazy one. I will sleep through the first half.
good morning lsd it is 5 am EST
also jazzy my ndls address went long ages ago i sadly do not think it means anything
my stanford address also went long LOL i think at most it's an indicator it's under review
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