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Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act

Explained by Consumer Protection Lawyers in Chicago

In 1977, the Fair Debt Collection Practices Act (FDCPA) was created in order to protect consumers from harassment at the hands of debt collectors. Lenders collecting their own debts in their own name are not considered debt collectors under the FDCPA.

If an entity is considered a debt collector under the Act, then it must follow the rules set forth in the FDCPA.

At Atlas Consumer Law, we have filed lawsuits on behalf of clients whose consumer rights have been violated during the bankruptcy process or after debt discharge. The law contains language that prohibits “abusive and deceptive” behavior and tactics by creditors against debtors.

If you are being harassed by creditors, you need to speak with a Chicago consumer law lawyer as soon as possible.

  • Examples of FDCPA violations include the following:
  • Creditor calls that occur before 8 a.m. or after 9 p.m. and while an individual is at work
  • Reporting false and negative information on a consumer’s credit report
  • Repeated and continuous phone calls to annoy (dozens of daily phone calls)
  • Contacting a debtor that has known legal representation
  • Use of profane language
  • Use of threatening language
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