Title VIII of the Consumer Credit Protections Act is also known as the Fair Debt Collection Practices Act (FDCPA). It was adopted in 1977 and is designed to protect consumers from abuse by creditors. Third-party debt collectors are not allowed to use deceptive or abusive tactics when they are attempting to collect a debt.
This means creditors cannot call you during late night hours and they cannot call repeatedly. They are not allowed to threaten you with legal action, if it is not being considered. They cannot give out information about your private debt to anyone else. Title VIII also gives consumers a means by which they can obtain information about debts made against them and dispute charges that are in error.
How Does Title VIII Relate to an FDCPA Case?
Title VIII is also known as the Fair Debt Collection Practices Act. It was added with the intention of protecting consumers from abuses from creditors attempting to collect a personal debt. It regulates when creditors can call and what they can say when they do call in an attempt to collect a debt.
How Can an Attorney Help?
If you have creditors that are harassing you, and you feel your rights have been violated, it is possible for you to get help. An FDCPA attorney can advise you of your rights under Title VIII to make sure they are protected. They may be able to stop creditors from harassing you. They can also help you ensure that your consumer debt information is accurate and help you dispute any discrepancies.