Fair Debt Collection Practices Act (FDCPA): Know Your Legal Rights Against Harassment
By My Payday Advance Consumer Underwriting & Financial Literacy Council
Protecting consumers under 15 U.S.C. § 1692: prohibited collector behaviors, time-of-day call restrictions (8am-9pm), debt validation letters, and statutory damages.
The Fair Debt Collection Practices Act (FDCPA) is a landmark federal statute that restricts the methods third-party debt collectors can use when attempting to collect unpaid debts.
1. Prohibited Debt Collector Actions Under Federal Law
Harassing Call Times: Contacting consumers before 8:00 AM or after 9:00 PM local time without consent.
Workplace Calls: Calling a debtor at their workplace after being informed that the employer prohibits such communications.
Misrepresentation & Threats: Falsely claiming to be law enforcement or threatening arrest or imprisonment for unpaid civil debts.
Third-Party Disclosures: Discussing your debt with family, neighbors, or colleagues.
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My Payday Advance Consumer Underwriting & Financial Literacy Council
Our financial research team monitors Truth in Lending Act (TILA) compliance standards, CFPB small-dollar lending enforcement, state usury laws, and credit union PAL program benchmarks.
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