There are some debt collectors that have started using social media sites, such as Facebook, to contact debtors about their debts even when they have other means of contacting the debtor.
The Fair Debt Collection Practices Act (FDCPA) is a federal statute established to ensure that debt collection play by the rules and avoid harassment. This act is enforced by the Federal Trade Commission (FTC) and private litigants.
According to a recent NPR report regarding the student loan debt crisis, the national student loan debt total surpassed the one trillion dollar mark in the Spring of 2012. For millions of Americans, student loan debt is a source of extreme stress with little to no legal protection for the debtor.
Despite protections from the Fair Debt Collection Practices Act (FDCPA), debts collectors are increasingly becoming more aggressive in their collection methods, particularly against consumers who are facing debt for the first time. This is because the number of consumers being pursued by debt collectors is growing.
The number of debt collection agencies is on the rise and so are complaints about collection tactics. The Fair Debt Collection Practices Act (FDCPA) was designed to protect consumers from creditor harassment with unfair, abusive, and deceptive collection practices.
With the number of debt collection agencies rising, complaints about collection tactics have risen as well. The Fair Debt Collection Practices Act (FDCPA) was designed to prohibit unfair and abusive debt collections practices. One such unfair practice is misrepresentation in the collection of time-barred debts
The Fair Debt Collection Practices Act (“FDCPA”) was not implemented to protect consumers from the collection practices of original creditors as defined under § 803(4).
The Fair Debt Collection Practices Act (FDCPA) is a federal statute enforced by civil litigants and the Federal Trade Commission (FTC) to protect consumers and ensure fair debt collection practices.
The recession has caused a lot of financial damage to Americans all across the country. With shrinking incomes, a lack of jobs, high gas prices, falling home values and other overwhelming expenses, credit cards have become an ever important resource to struggling families.
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