Fair Debt Collection Practices Act

Fair Debt Collection Practices Act (Section 801)

Remember, I told that the Fair Debt Collection Practices Act was a short read. Well Section 801, called the Short Title is barely one paragraph…

SECTION 801 -- SHORT TITLE

Section 801 names the statute the "Fair Debt Collection Practices Act."

The Fair Debt Collection Practices Act (FDCPA) is Title VIII of the Consumer Credit Protection Act, which also includes other federal statutes relating to consumer credit, such as the Truth in Lending Act (Title I), the Fair Credit Reporting Act (Title VI), and the Equal Credit Opportunity Act (Title VII).

Fair Debt Collection Practices Act - 801
Remember, I told that the Fair Debt Collection Practices Act was a short read. Well Section 801, called the Short Title is barely one paragraph. However, it sets the stage for how debt collectors can and cannot contact you and starts the process to help you properly deal with your debts.

Fair Debt Collection Practices Act - 802
Section 2 of the Fair Debt Collection Practices Act focuses on putting a stop to abusive, deceptive, and unfair debt collection practices and tactics used by many debt collectors. You should NEVER bow down or cower under to pressure from any debt collector! You have rights, learn how to enforce them.

Fair Debt Collection Practices Act - 803
Section 3 of the Fair Debt Collection Practices Act focuses on defining terms and clarifying definitions such as debt, debtor, creditor, overdue obligations, debt collector and more. This step is critically important especially when you are talking about paying and collecting debts.

Fair Debt Collection Practices Act - 804
Section 4 of the Fair Debt Collection Practices Act focuses on how debt collectors are governed by law concerning how they acquire information on a debtor’s whereabouts. Prior to this law, (and even after it was signed into legislation) many debt collectors would set about to embarrass, scare, coerce, browbeat and harass...

Fair Debt Collection Practices Act - 805
Section 5 of the Fair Debt Collection Practices Act deals with the parameters of how debt collectors can and cannot contact debtors. Without this vital section of law in place, rest assured - debt collectors would be calling you 24 hours a day, at home, on your job, and even at the homes of your family members, friends and relatives.

Fair Debt Collection Practices Act - 806
Section 6 of the Fair Debt Collection Practices Act deals putting a stop to abusive and harassing tactics used debt collectors and debt collection companies. Prior to this section of the Fair Debt Collection Practices Act, debt collectors would use obscene, profane, or abusive language in an attempt to collect on past due bills.

Fair Debt Collection Practices Act - 807
Section 7 of the Fair Debt Collection Practices Act addresses the tactic of using false and misleading information to collect debts. Debt collectors still use deceptive schemes such as falsely persuading debtors into believing their wages are about to be garnished or their assets are about to be repossessed in order to coerce them into making payments.

Fair Debt Collection Practices Act - 808
Section 8 of the Fair Debt Collection Practices Act addresses unconscionable acts by debt collectors designed to embarrass and shame people who owe money. These mean spirited debt collectors use embarrassing tricks such as mailing transparent envelopes and postcards with account information about the debtor in plain view to any and everyone who sees the mailing.

Fair Debt Collection Practices Act - 809
Section 9 of the Fair Debt Collection Practices Act addresses the issue of confirming if the debtor in question actually owes the alleged debt. If the step wasn’t in place we would literally fall back in time to the days of the wild wild west, when people were falsely accused of a crime, arrested tried and convicted based solely upon suspicion/intuition.

Fair Debt Collection Practices Act - 810
Section 10 of the Fair Debt Collection Practices Act eliminates a tremendous amount of debt collection smoke screens, subterfuge and bait and switch tactics. Let’s say a debt collector contacts a person who has multiple accounts assigned to them by the debt collection company.

Fair Debt Collection Practices Act - 811
Section 11 of the Fair Debt Collection Practices Act directly impacts how debt collectors can and cannot take legal action against an alleged debtor. This provision of the Fair Debt Collection Practices Act is extremely crucial because debt collection companies would file a lawsuit against you in the next state and force you to appear three hundred miles from your residence, if the law allowed it.

Fair Debt Collection Practices Act - 812
Section 12 of the Fair Debt Collection Practices Act prohibits any party, (i.e., debt collector, creditor, etc.) from designing and furnishing forms, knowing they are or will be used to deceive a consumer to believe that someone other than the creditor is collecting the debt.

Fair Debt Collection Practices Act - 813
Section 13 of the Fair Debt Collection Practices Act sets the parameters for placing debt collectors and debt collection companies on notice. That means if they violate any portion of the Fair Debt Collection Practices Act, they have just subjected themselves to civil liability.

Fair Debt Collection Practices Act - 814
Section 14 of the Fair Debt Collection Practices Act pretty much details who is responsible for enforcing the FDCPA. No debt collection company or debt collector wants to find themselves on the opposite end of this stick.

Fair Debt Collection Practices Act - 815
Section 15 of the Fair Debt Collection Practices Act actually deals with reporting and assessing the effectiveness of the FDCPA and how debt collection companies are complying with the rules set forth by the FDCPA.

Fair Debt Collection Practices Act - 816
Section 16 of the Fair Debt Collection Practices Act makes a very great consideration for the consumer/debtor. When a particular state has laws enforce to protect debtors and those laws are equal to or greater than the Fair Debt Collection Practices Act, those laws preempt the FDCPA.

Fair Debt Collection Practices Act - 817
Section 17 of the Fair Debt Collection Practices Act gives the states with debt collection laws enforce the right to enforce those laws. But that provision is only available if that state’s laws are similar to or better than the Fair Debt Collection Practices Act. If not, the FDCPA takes effect.

Fair Debt Collection Practices Act - 818
Section 18 of the Fair Debt Collection Practices Act pretty much acknowledges the day FDCPA officially became an enforceable law. That was the day debt collectors across the nation all took a collective gasp for air.

Joel Marks has been helping people get out of debt and avoid both bankruptcy and foreclosure for over fifteen years. Utilizing savvy debt counseling, debt management programs, Federal laws and a team of attorneys, debt counselors and advisors, he has quietly assisted thousands come from under the heavy burden debt.

For more information on this topic or any other issue related to getting out of debt, living debt free, debt management, debt relief, the Fair Debt Collection Practices Act and stopping debt collectors in their tracks, please visit www.DebtErasure.com

Main

Debt Options

Debt Advice

◦	Debt Settlement Advice Helps You Avoid Bankruptcy
◦	Debt Consolidation Advice May Be Your Best Debt Solution Option

Debt Counseling

◦	Debt Counseling 101 – Look Before You Leap
◦	A Word of Warning About Debt Counseling
◦	Q and A's About Debt Counseling Companies
◦	Debt Counseling by Consumer Credit Counseling Service
◦	Find Debt Help Through Consumer Credit Counseling
◦	Become a Certified Consumer Credit Counselor
◦	Why Are So Many Illegitimate Debt Counseling Companies Popping Up
◦	Why Are So Many Illegitimate Debt Counseling Companies Popping Up (Part 2)

Debt Elimination

◦	Debt Elimination – Perform Your Own Debt Elimination And Save Thousands
◦	What Every Consumer Should Know About Debt Elimination
◦	Debt Elimination Companies Make Great Claims But Can They Deliver?
◦	Oh No! Look Who’s Not Happy About Debt Elimination
◦	Oh No! Look Who’s Not Happy About Debt Elimination (Part 2)
◦	Debt Elimination Swindlers Caught Red Handed
◦	Debt Elimination Creators Target People Drowning In Debt

Debt Negotiation

Debt Reduction

◦	Debt Reduction – How To Determine Which Debt Reduction Option Is Best for You

Debt Consolidation

◦	Debt Consolidation Loans – You Can Get Approved Even With Bad Credit And Here’s How
◦	Online Debt Consolidation – Get Debt Free In The Comfort of Your Home With Online Debt Consolidation
◦	Consolidate Debt On Your Own and Save a Fortune
◦	Debt Consolidation Non Profit Organizations Should Be Checked Out Thoroughly

Debt Management

◦	How To Choose a Debt Management Company and Not Get Burned In The Process
◦	How To Choose a Debt Management Company and Not Get Burned In The Process (Part 2)

Debt Settlement

◦	FTC Hosts Workshop To Examine Debt Settlement Industry
◦	Debt Settlement Has One Major Flaw (Don’t Find Out About It The Hard Way)
◦	Debt Settlement Coaching - Settle Your Own Debts and Save Thousands
◦	Choosing a Debt Settlement Company That Will Treat You Like Royalty

Debt Termination

◦	Sunshine State Sues Debt Termination Company
◦	Can The Debt Termination Program by the Federal Debt Relief System Help Me Get Out of Debt

Debt Relief

Christian Debt Relief

◦	Christian Credit Counselors – Can Christian Credit Counselors Pave The Way For a Financial Miracle?
◦	Christian Debt Counseling – Can Provide a Lasting Solution To Your Debt Problem
◦	Christian Credit Counseling – Receive Get Out of Debt Help From People Who Genuinely Care
◦	Is Christian Debt Consolidation The Best Choice For Your Debt Consolidation Needs?
◦	Christian Debt Reduction - A More Compassionate Approach To Solving An Out of Control Debt Problem
◦	Christian Debt Negotiation - Why File Bankruptcy When Christian Debt Negotiation Nets Better Results

Tax Debt Relief

◦	Tax Debt Relief – When Facing IRS Debt Collections You Won’t Get Tax Debt Relief Until You Do This
◦	Stop IRS Debt Collections With Tax Debt Relief

Debt Problem?

◦	8 Signs That You Have a Debt Problem (Part 1)
◦	8 Signs That You Have a Debt Problem (Part 2)
◦	How To Deal With Your Debt Problem
◦	Attitude Adjustment is the Key To Solving Your Debt Problem (Part 1)
◦	Attitude Adjustment is the Key To Solving Your Debt Problem (Part 2)
◦	Where To Get Debt Problem Help
◦	Debt Solution 101 - How To Fix Your Debt Problem

Credit Counseling

◦	Credit Counseling – You’ve Been Warned Not To Go To This Type of Credit Counseling Agency
◦	Credit Counseling – How Can I Tell If a Credit Counseling Agency Is Overcharging
◦	Credit Counseling – How To Choose a Credit Counseling Agency And Not Get Burned In The Process (Part 1)
◦	Credit Counseling – I‘ve Heard That Credit Counseling Can Negatively Affect My Credit Score, Can It?
◦	Non Profit Consumer Credit Counseling – Your Path To Getting Out of Debt Starts Here!
◦	Family Credit Counseling – 9 Warning Signs To Help You Spot a Credit Counseling Rip Off
◦	Family Credit Counseling – 9 Warning Signs To Help You Spot a Credit Counseling Rip Off (Part 2)

Credit Card Debt

◦	The Credit Card Debt Sham Americans Didn’t See Coming
◦	Will a Settle Credit Card Debt Plan Negatively Impact My Credit?
◦	Credit Card Debt – Learn To Attack Credit Card Debt Before It Starts Attacking You
◦	Credit Card Debt and Rate Jacking: (How Your Rate Can Go From 6.9 Percent To 17.99 In 10 Seconds Flat)
◦	The Credit Card Debt Trap (Sneaky Little Tricks Credit Card Companies Use To Keep Increasing Your Debt) Part 1
◦	The Credit Card Debt Trap (Sneaky Tricks Credit Card Companies Use To Keep Increasing Your Debt) Part 2
◦	Shocking Credit Card Debt Alert – Credit Card Companies Arbitrarily Slashing Credit Limits
◦	Feds Say No to Credit Card Debt Relief
◦	Credit Card Debt Frequently Asked Questions
◦	How To Get The Best Credit Card Consolidation Deal
◦	Is Credit Card Consolidation The Answer
◦	Credit Card Consolidation May Soon Disappear
◦	10 Signs That You Are Headed Into Credit Card Debt Danger
◦	Lies, Lies, Lies… How They Trick You Into Amassing Credit Card Debt (Part 1)
◦	Lies, Lies, Lies… How They Trick You Into Amassing Credit Card Debt (Part 2)
◦	Consolidating Credit Card Debt Is Easy When You Know This Secret

Student Loan Debt

◦	Get Out of Debt With Student Loan Forgiveness Programs

Debt Collection Statute of Limitations

◦	How The Debt Collection Statute of Limitations Can Help You (Part 2)
◦	Debt Collection Statute of Limitations Halts Debt Collectors In Their Tracks
◦	Debt Statute of Limitations - What You Should Know About Debt Statute of Limitations and Back Taxes
◦	Debt Statute of Limitations - What You Should Know About Debt Statute of Limitations on Student Loans
◦	Debt Statute of Limitations – What Bill Collectors Don’t Want You To Know About DSOL

Debt Collection 101

◦	5 Facts About Debt Collections Debt Collectors Wished You Didn’t Know
◦	Debt Collectors Place Blame of Harassing Consumers On Creditors
◦	The Rantings of Debt Collectors and Debt Collection Agents
◦	Debt Collectors Wanted, Start Immediately, No Exp Necessary, We Train, Make $100k Your First Year!
◦	Stop Harassment by NCO Financial Systems
◦	Cease and Desist Notice – How Does a Cease and Desist Notice Stop Debt Collectors From Calling
◦	Cease and Desist Notice – Sample Cease and Desist Notice Based on The FDCPA
◦	Debt Collection 101 - Debt Collectors Have No Right To Harass You
◦	Can Bill Collectors Garnish Wages And Get Away With It And What Steps Can I Take To Prevent This

Bill Collectors

◦	Take These Five Steps To Instantly Make Bill Collectors Stop Calling
◦	The Easiest Way to Stop Bill Collectors Calls Is Hidden In This Little Known Federal Law
◦	To Make Bill Collectors Stop Calling You Must Understand The Nature of Debt Collection
◦	To Make Bill Collectors Stop Calling You Must Understand Who’s Calling You
◦	To Make Bill Collectors Stop Calling You Must Understand Their Primary Tools

Get Out of Debt Help

◦	Excellent Get Out of Debt Help (Part 2)
◦	How To Get Out of Debt – Forming Your How To Get Out of Debt Plan Is Pretty Easy
◦	How To Get Out of Debt – Getting Out of Debt Starts and Ends With This Simple Little Secret
◦	What is The National Association of Certified Credit Counselors (NACCC)
◦	American Association of Debt Management Organizations (AAMDO)
◦	Horrible Get Out of Debt Advice Lands Family In Hot Water (Part 1)
◦	Horrible Get Out of Debt Advice Lands Family In Hot Water (Part 2)
◦	Horrible Get Out of Debt Advice Lands Family In Hot Water (Part 3)
◦	Get Out of Debt – Americans Are Coming Up With Unique Ways To Wipe Out Credit Card Debt

Being Sued For Debt

◦	What To Do When You Are Being Sued For Medical Debt
◦	Being Sued For Debt (How to Beat Debt Collection Lawyers at Their Own Game)

Money Managment

◦	Quit Smoking and Get Out of Debt Much Faster
◦	Debt Reduction Tips
◦	Eliminate Credit Card Debt Tips
◦	Get Out of Debt Financial Fitness Test
◦	Credit Score
◦	Free Credit Report
◦	Free Credit Reports – Don’t Get Taken By These Free Credit Report Hoaxes
◦	Make Online Money
◦	Get Out of Debt With Debt Software
◦	Free Debt Software – Don’t Download Free Get Out of Debt Software Until You Get The Facts

Fair Debt Collection Practices Act

◦	Fair Debt Collection Practices Act - 801
◦	Fair Debt Collection Practices Act - 802
◦	Fair Debt Collection Practices Act - 803
◦	Fair Debt Collection Practices Act - 804
◦	Fair Debt Collection Practices Act - 805
◦	Fair Debt Collection Practices Act - 806
◦	Fair Debt Collection Practices Act - 807
◦	Fair Debt Collection Practices Act - 808
◦	Fair Debt Collection Practices Act - 809
◦	Fair Debt Collection Practices Act - 810
◦	Fair Debt Collection Practices Act - 811
◦	Fair Debt Collection Practices Act - 812
◦	Fair Debt Collection Practices Act - 813
◦	Fair Debt Collection Practices Act - 814
◦	Fair Debt Collection Practices Act - 815
◦	Fair Debt Collection Practices Act - 816
◦	Fair Debt Collection Practices Act - 817
◦	Fair Debt Collection Practices Act - 818

Debt Glossary

Site Map

DebtErasure Blog