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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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join the ethically ambiguous legal field instead
Dkk
18:57
I want to meet an attorney that defends clients who run into flat earth problems. I want an attorney that knows and believes in flat earth theory.
19:05
i want a flat earther for president. i want a guy who posts on 4chan for president. i want someone who mogs for president.
Dkk
19:18
Exactly. My version of that awful poem.
Dkk
19:19
I can accept a president with maybe one or two of the poems traits hut good God, all of them??? No ty.
windyMagician
19:20
president who respects sex is crazy
windyMagician
19:20
we had bill clinton already
Dkk
19:21
Bill Clinton, first and last black president
windyMagician
19:23
I want to go running but my leg feels weird
windyMagician
19:23
it doesn't hurt its just tingly
Dkk
19:26
It needs more alcohol. You tingle when your nerves need watering.
19:27
try stretching it maybe to see what's up
windyMagician
19:27
stretches make me think it's just soreness
windyMagician
19:27
I'm sober lol
Dkk
19:38
Anyone else get the google notification that your LSD password has been compromised lol. LSD got hacked.
20:48
what.jpg @Dkk
CynicalOops
21:03
You think you just fell out of a coconut tree?
jackfrost11770
21:10
nope dk
CynicalOops
22:37
Calvinamala Harris
jackfrost11770
23:16
should i start using letterboxed again
Dkk
23:25
@jackfrost11770: if you want but like it aint for me
dk do u ever eat at bk
Dkk
23:48
@chickenburgahfart: I would do that in the Army if really desperate for food or if I had to work through lunch. One of the few fast food places I go to.
bk so slept on
Dkk
0:23
I will take In N Out everyday over it when I can though.
texaslawhopefully
1:22
In N Out is not only the best fast food place, but the prices too are fantastic
Dkk
1:27
Indeed, indeed.
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