Enacted under federal law, the Fair Debt Collection Practices Act (FDCPA) establishes strict standards governing third-party collection agencies and debt buyers.
1. Major Prohibited Collector Tactics
| FDCPA Section | Prohibited Collector Conduct | Consumer Legal Remedy |
|---|---|---|
| § 1692c(a)(1) | Calling before 8:00 AM or after 9:00 PM local time | Log timestamp & file CFPB complaint |
| § 1692c(a)(3) | Calling workplace after being notified employer prohibits it | Issue written employer contact ban |
| § 1692d | Harassment, profane language, or continuous ringing | Statutory damages up to $1,000 + legal fees |
| § 1692e(4) | Threatening arrest, imprisonment, or asset seizure without court order | File civil federal lawsuit for false threats |
| § 1692g | Failing to provide written 30-day Debt Validation Notice | Debt collection legally frozen until verified |