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Fair Debt Collection Practice Act

The Fair Debt Collection Practices Act (FDCPA) is the federal law that regulates debt collection in the U.S., including collection of credit card debt. It prevents collectors from abusing or deceiving debtors who owe past due debts. FDCPA only regulates personal debts, not business debts. The act prohibits collectors from contacting debtors at any time before 8 a.m. or after 9 p.m. It also stipulates that if a debtor orders a collector to stop contacting their place of employment, the collector must obey. A request to cease communication on a home phone must be placed in writing. If a collector does not have contactor information of a debtor, they may call relatives or associates of the debtor, but may not disclose any information regarding debt and may not reveal that they are calling from a debt collection agency.