What is the Fair Debt Collection Practices Act?

Answer by  MarkWatrous (729)

The Act only covers debts that you personally incur; such as personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. Any library that is listed with the Federal Depository Libary Program will have a copy in their library.

Answer by  Jessec1007 (165)

This Act prevents debt collectors from harrassing and threatening the debt owners and doing other things that may harm you. For instance, phone calls late at night are not allowed.