What is the Fair Debt Collection Practices Act?

Written By Aaron Sarentino
Nov 21, 2022
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The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unfair and abusive debt collection practices

Under the FDCPA, creditors, debt collectors, and other debt collection agencies are not allowed to engage in abusive or unfair practices when attempting to collect debts from consumers. A few examples of these prohibited practices include: 

  • contacting consumers at inconvenient times or locations
  • using threats and intimidation tactics
  • making repeated phone calls without leaving a message
  • sharing consumer information with other debt collectors without the consumer’s consent

The FDCPA is one of the most significant consumer protection laws in the United States and has helped to ensure that creditors and debt collectors are held accountable for their actions. While the law does not eliminate or prevent all unfair collection practices, it has provided a framework for monitoring and regulating debt collection activities.

When was the Fair Debt Collection Practices Act Passed?

The Fair Debt Collection Practices act was passed in 1977, following a growing number of complaints about inequitable and aggressive debt collection practices by creditors and other collection agencies.

Does the Fair Debt Collection Practices Act apply to businesses?

Unfortunately, no. The FDCPA only applies to a consumer’s debt for household, family, or personal reasons. Businesses and companies are not covered by the FDCPA.

If you’re dealing with a creditor or a debt collection agency, it is crucial to understand your rights under the Fair Debt Collection Practices Act. If you believe that a creditor or debt collector has violated your rights under this act, you may have grounds for filing a complaint and seeking legal recourse. To learn more about the FDCPA and what it entails, you can speak with an attorney or visit the website of the Federal Trade Commission. With this valuable information and resources at your disposal, you can take steps to protect yourself from unfair and abusive debt collection practices.

Can’t keep the debt collectors away? Talk to the financial experts at Americor.


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Americor provides debt solutions to thousands individuals and families all over the country. We’re a next-generation debt relief company with a proprietary platform designed to help clients get out of debt quickly. Together we’ll develop a strategy for you to enjoy a debt free lifestyle. Learn more about how Americor can help relieve the burdens of debt today.

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We provide debt resolution services. Our clients who make all monthly program payments save approximately 40 – 50% of their enrolled debt (average of 43%) upon successful program completion, before program fees. Fees are based on a percentage of your enrolled debt at the time of starting the program and range from 15%-25% of your enrolled debt. Programs range from 20-48 months. Clients must save at least 25% of each debt due to an enrolled creditor before a bona fide settlement offer will be made. On average, clients receive their first settlement within 4-7 months of enrollment and approximately every 3-6 months thereafter from when the prior debt was settled. Not all Clients complete the program. Estimates are based on prior results and may not match your results. We cannot guarantee that your debts will be resolved for a specific amount or percentage or within a specific timeframe. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting, legal advice or credit repair services. Our program is not available in all states; fees may vary by state. Some programs may be offered through The Law Firm of Higbee & Associates d/b/a Advantage Law. The use of debt resolution services will likely adversely affect your credit. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding debt may increase from the accrual of fees and interest. Any amount of debt forgiven by your creditors may be subject to income tax. Clients may withdraw from the program at any time without penalty and receive all funds from their dedicated account, other than funds earned by the company or fees paid to third-party service providers, as may be applicable. Read and understand all program materials prior to enrolling. Certain types of debts are not eligible for enrollment. Some creditors are not eligible for enrollment because they do not negotiate with debt relief companies. To determine the offers you may be eligible for, Americor conducts a “soft credit pull.” This credit pull does not impact your credit score, creditworthiness, or ability to obtain credit from other sources. The soft pull is not a tradeline entry, it does not report against your score and will only take a few minutes.

Americor Funding, LLC (18200 Von Karman Ave, 6th Floor Irvine, CA 92612) is fully accredited by the Better Business Bureau (BBB), the American Fair Credit Council (AFCC), and the International Association of Professional Debt Arbitrators (IAPDA). CA Department of Financial Protection and Innovation (DFPI) License # 603K913.

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