The Fair Debt Collection Practices Act (FDCPA) in Racine and Kenosha, Wisconsin
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262-638-8400
262-638-8400
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them. Here are some questions and answers about your rights under the Act. |
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
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False Statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
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Debt collectors also are prohibited from saying that:
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Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
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Protect Yourself Today |
The Michelson Law Offices |
Multiple offices throughout the Chicago Metropolitan Area
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Regus North LaSalle Center
203 N. LaSalle Street, Suite 2100 Chicago, IL 60601 Phone Number: 312-558-4399 |