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Fair Debt Collection Practices Act
by Steve Austin

The purpose of the Act, approved in September 1977, was to eliminate abusive debt collection practices by debt collectors and to promote consistent state action to protect consumers against debt collection abuses and invasions of individual privacy.

The Fair Debt Collection Practices Act laid down specific guidelines pertaining to the following procedures:

1. Acquisition Of Information [Sec 804]

Any debt collector seeking to acquire location information of a consumer would identify himself and his purpose correctly and if the need arises also disclose his employer. At no point during the inquiry process shall the collector state or imply that a consumer owes any debt, as this shall amount to invasion of individual privacy. Once the enquiry process has been completed, any correspondence thereafter shall be with the attorney of the said consumer only.


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17 May 2005 by LawKit
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