Welcome to a new series of articles and videos on the actual text of the FDPCA (Fair Debt Collection Practices Act) which is found at 15 USC Section 1692.
We will still continue to do normal articles and videos but it is good to go to the literal text of the law to make sure we understand it. Then when we review case decisions they will make more sense having read the actual law.
This law is so powerful as there are many abusive debt collectors out there. You need to know your rights so you can take action to stop the abusers.
Here is the outline of what we will do — as we complete each part we will put a link to the article:
1692 Congressional findings and declaration of purpose
1692b Acquisition of location information
1692c Communication in connection with debt collection
1692d Harassment or abuse
1692e (part one) False or misleading representations
1692e (part two) False or misleading representations
1692f Unfair practices
1692g Validation of debts
1692h Multiple debts
1692i Legal actions by debt collectors
1692j Furnishing certain deceptive forms
1692k Civil liability
1692l Administrative enforcement
1692m Reports to Congress by the Bureau; views of other Federal agencies
1692n Relation to State laws
1692o Exemption for State regulation
1692p Exception for certain bad check enforcement programs operated by private entities
This will be our pattern:
- We will have a video at the top of the page where we go through the text
- Then we will copy in the text and put in some commentary
This way whether you prefer text or video, you can get a good understanding of what each section means.
Hope you enjoy this and thank you for joining us on this journey through the FDCPA!
PS — You may enjoy subscribing to our YouTube channel here to make sure you receive notification of all the new videos we put up. We do take some breaks (trials take up a lot time!) but we are back on track to release a video a day covering consumer protection issues.