Debt Collection

The Fair Debt Collection Practices Act (FDCPA), is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute’s stated purposes are: to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information’s accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.



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Texas Constitution
Code – Finance Code
Chapter – 392 Debt Collection


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Lawmakers weigh changing Texas law that lets rent-to-own stores file criminal charges on customers

Old Debts, Fresh Pain: Weak Laws Offer Debtors Little Protection

NPR – Millions Of Americans’ Wages Seized Over Credit Card And Medical Debt

CNN – The secret world of government debt collection

Salon – Americans’ private financial data is sold to debt collectors

Truth out – Cracking Down on Abusive Debt Collectors

Truth out – So Sue Them: What We’ve Learned About the Debt Collection Lawsuit Machine

ACLU and NCLC File Lawsuit Against US Department of Education Over Failure to Disclose Debt Collection Practice Data

The Atlantic – A New Breed of Debt Collectors

Think Progress – Wisconsin Is About To Make It Easier For Debt Collectors To Go After Consumers

Think Progress – Debt Collectors Have Harassed Thousands Of Military Servicemembers Over Nonexistent Debts

Think Progress – ‘These Are People’s Lives You’re Playing With:’ The Fight To Curb Debt Collector Lies

Think Progress – Here’s How Occupy Wall Street Freed Americans From Millions In Debt

New York Times – Sued Over Old Debt, and Blocked From Suing Back

New York Times – Bad Debt Collectors and Their Prey

New York Times – U.S. Vows to Battle Abusive Debt Collectors

Yes Magazine – These Former Debt Collectors Decided to Ditch the Industry, Buy Up Medical Debt, and Forgive It

Wall Street Journal – Southern Pastor Works to Deliver His Flock From Credit-Card Debt

Huffington Post – Debt Collectors Are More Likely To Go After Black People

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