The Fair Debt Collection Practices Act (FDCPA) establishes strict federal boundaries prohibiting abusive, threatening, or deceptive debt collection behaviors.
1. Prohibited Debt Collector Actions
Harassment and Threats: Debt collectors may not use profane language, threaten arrest or wage garnishment without legal judgments, or call repeatedly to annoy.
Third-Party Disclosures: Collectors cannot disclose your debt to family members, neighbors, or employers.
Written Verification Mandates: Lenders must cease collection activity until providing formal written validation of the debt upon consumer request.
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