More about fair debt collection act: This is a federal law (aka. P.L. 95-109) Congress passed in 1996 to regulate collection agencies and help eliminate abusive debt collection practices that contributed to loss of jobs and invasion of privacy. If a collection agency violates any of the provisions of the law in attempting to collect a debt form a consumer, the consumer may have civil remedies available to them, including punitive damages. You may find the entire Fair Debt Collection Act on the FTC website, http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm. Created to amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.
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