Can the Fair Debt Collection Practices Act Help You?


As a consumer, dealing with debt can seem like a nightmare. Debt collectors may make it even worse by trying to intimidate or harass you.

Although your creditors have a right to collect what you owe them, you also have a right to live a life free from fear, and the Fair Debt Collection Practices Act, or FDCPA, clearly defines what creditors can and can’t do. Here’s how calling Canyon Legal Group can help you put the law to work.

What You Need to Know About the Fair Debt Collection Practices Act

Congress passed the FDCPA in 1977 to protect consumers from abusive creditors. In addition to defining who counts as a debt collector, it clearly describes how these businesses can recoup the money that you owe them.


The spirit of the FDCPA is intended to halt debt collection conduct that’s deemed to be deceptive or abusive. To accomplish this, the rules make it illegal for creditors to engage in a number of actions, such as

  • Communicating with you when you asked them to go through your legal representative,
  • Bothering you at your place of employment after being told not to,
  • Making your phone ring at inconvenient times of day,
  • Publicizing your contact information on lists of bad borrowers,
  • Using abusive, profane or threatening language in their communications with you,
  • Lying or misrepresenting their identity, such as claiming that they’re lawyers or police who can bring legal action against you for not paying, and
  • Talking about the details of your debt with third parties that you haven’t authorized to discuss such issues.

Debt collectors are also required to follow a long list of mandatory actions. For instance, if you disagree with your debt, then they need to provide verification via mail or stop trying to collect it. They also need to identify themselves in every communication they send and notify you that you have a right to dispute.

What Can You Do If Your Rights Have Been Violated?


Although the FDCPA is an extensive piece of legislation designed to cover a range of situations, debt collectors don’t always follow its rules. Like other laws, this act doesn’t get enforced without people taking action, so it’s up to you to ensure that your rights are upheld.

Collectors who violate the FDCPA can get away with abusing you unless you put your foot down. Unfortunately, many consumers are too busy or uninformed to exercise their rights effectively.

Are you sick of dealing with abusive collections? You deserve better.

Under the FDCPA rules, you’re entitled to file a civil lawsuit against bad collectors and seek damages, including your court costs and attorney fees. Working with one of our team member is essential if you want to prove that your case counted as an intentional violation by the collector and not just a simple mistake. Learn how to pursue your claim more effectively and gain relief from endless collection harassment by reaching out to Canyon Legal Group for your free case consultation.