There is nothing more stressful than having a third party debt collection agencies repeatedly call and harass you in means to collect their debt. On top of having financial related troubles, it just makes the situation ten times worse.
Fortunately, the Fair Debt Collection Practices Act or FDCPA was enacted in order to help protect consumers abusive and harassing measures made by creditors that are attempting to collect a debt.
Additional State Laws that Can Help Protect You
The FDCPA is a federal laws that applies to all state, however you should know that there are individual states that have added laws on top of what is in the FDCPA, in order to further help protect consumers from unfair and unconscionable means that debt collectors may take.
The laws vary from state to state, they include, but certainly not limited to laws related to:
- Statute of Limitations Regarding the Debts
- Recording Phone Conversations with Debt Collectors
- Written Communication with Debt Collectors
Next Steps You Can Take
If you believe a third party collection agency is violating the FDCPA, they may also be violating your state's FDCPA laws as well. To find out more about your state's FDCPA laws, see below:
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia