Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from harassment over alleged unpaid debt. The FDCPA sets limitations on actions that debt collectors are allowed to engage in while attempting to collect debt from consumers. The law also provides consumers who have been illegally harassed by debt collectors the right to sue for monetary and injunctive relief.
The FDCPA prohibits certain types of “abusive and deceptive” conduct when attempting to collect debts. Just a few examples that the law prohibits include
- failure to cease communication upon request,
- communicating with consumers at their place of employment,
- publishing the consumer’s name or address,
- threatening arrest or legal action, and
- use of profane language.
In addition, Minnesota, along with many other states, has its own law that parallels the federal FDCPA, and grants many of the same rights. (the “Minnesota FDCPA”).
Teske Micko represents people on a class-wide basis who have had their FDCPA rights violated by debt collectors. If you feel that your FDCPA rights have been violated by a debt collector, or you have questions about your rights under federal and/or state debt collection laws, please contact us today for a consultation.