The federal Telephone Consumer Protection Act (TCPA) was enacted in 1991. However, most consumers weren’t aware of the statute and its more limited purpose. The earliest impact of the TCPA most people remember is the creation of the federal “Do Not Call” list in 2003. The Do Not Call registry allowed consumers to opt out …
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When you’re being threatened or harassed by debt collectors, it’s easy to get discouraged. Most people who are behind on their bills and have debts in collection are already under stress. Whether you’re short on money because of a major setback like a divorce or long illness, you’ve lost your job, or you just slowly …
Continue reading “Know Your Rights: The Fair Debt Collection Practices Act (FDCPA)”
Creditors and debt collectors typically have one goal: to get as much of your money in hand as they can, and as quickly as possible. Unfortunately, that often means they may be careless in crossing the line to get you to pay up. Many people who are struggling with debt are intimidated when debt collectors …
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