Frequently Asked Questions

• What Is The Fair Debt Collection Practices Act?
  The Fair Debt Collection Practices Act requires that debt collectors treat you fairly by prohibiting certain methods of debt collection.
• What Debts Are Covered under the Fair Debt Collection Practices Act?
  Personal, family, and household debts are covered under the Act. This includes money owed for the purchase of an automobile, for medical care, or for charge accounts.
• Who Is A Debt Collector?
  A debt collector is any person, other than the creditor, who regularly collects debts owed to others. Under a 1986 amendment to the Fair Debt Collection Practices Act, this includes attorneys who … more
• How May A Debt Collector Contact You?
  A collector may contact you in person, by mail, telephone, telegram, or FAX. However, a debt collector may not contact you at unreasonable times or places, such as before 8 a.m. or after 9 p.m., … more
• Can You Stop A Debt Collector From Contacting You?
  You may stop a collector from contacting you by writing a letter to the collection agency telling them to stop. Once the agency receives your letter, they may not contact you again except to say … more