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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Solutions:
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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
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 – 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
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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