Millions of Americans cringe every time the phone rings fearing that it may be a dreaded bill collector. With today’s economy many families begin to fall behind on their bills. Everyone should be educated in their consumer rights, and what debt collectors are not allowed to do. With this knowledge consumers can prevent unfair debt collection practices, and prevent them from happening to others.
What is the Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act was put into effect in 1978 as a way to regulate the way debt collectors attempt to collect on debts. This act set forth guidelines to prevent abusive and harassing collection practices that were occurring. It is crucial that everyone know their rights as a consumer to prevent unfair treatment from collector.
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