FDCPA Lets You Fight Against Debt Collection Harassment

If you are being relentlessly hounded by an abusive bill collector, remember that there is an act, passed way back in 1977, to stop such nasty behavior. It’s the Fair Debt Collections Practices Act, short form FDCPA.

In the thirty years that have passed since this act came into being, much has been accomplished. However, much remains to be done since the industry of debt has increased by leaps and bounds.

A very large collection industry has grown up around our debt culture, so much so that the courts are clogged with thousands of case files. Some of these cases are so old and out-of-date that it is surprising they have not been written off long ago. The reality is that a feeding frenzy exists where debts that should have died long ago are being being brought back to life and sold in big batches to debt buyers for a pittance.

In some cases people are being harassed for debts that were not even originally theirs. The courts are so clogged with debt collection cases that they often get presented without satisfactory records or sufficient proof. In many cases the debtor may not even be the correct person. Imagine being told that you may be taken to court, or that your house will be repossessed, for a debt that isn’t even yours.

If you are having problems with debt collectors, you need to be aware that the FDCPA sets out strict guidelines as to the behavior of debt collectors and collection agencies. Educate yourself about your rights, and fight back against debt collection harassment.