Debt collectors have been known to harass consumers by using abusive, unfair, and deceptive practices in order to collect debts owed.

As a general matter, the Rosenthal Fair Debt Collection Act (RFDCPA) and other consumer acts in California treat the debt of separated spouses the same as when they were together. In reality, however, the practical differences are extensive. Under the California civil code, the earnings of both the husband and wife are taken into account when the debt is distributed.

The Fair Debt Collection Practices Act (FDCPA) is a federal statute established to protect debtors from debt collection harassment. This Act is enforced by the FTC and private attorneys. Among other things, the FDCPA protects debtors form third-party debt collectors who may harass them if a loved one dies.

The Fair Debt Collection Practices Act (FDCPA) is a federal law that came into existence to ensure fair debt collection. The act is enforced by the Federal Trade Commission (FTC) and private attorneys to protect consumers from the unfair practices of third-party debt collectors.