What’s the FDCPA?
The FDCPA (15 USC 1692 et seq.), which became effective in March 1978, was designed to eliminate abusive, deceptive and unfair debt collection practices. It also protects reputable debt collectors from unfair competition and encourages consistent state action to protect consumers from abuses in debt collection.
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The FDCPA applies only to the collection of debt incurred by a consumer primarily for personal, family or household purposes. It doesn’t apply to the collection of corporate debt or debt owed for business or agricultural purposes.