Fair Debt Collection Practices Act Section 809 B

These are the days and times that debt collectors can call you.

Fair debt collection practices act section 809 b. Validation of debts 15 usc 1692g b if the consumer notifies the debt collector in writing within the thirty day period described in subsection a that the debt or any portion thereof is disputed or that the consumer requests the name and address of the original creditor the debt collector shall cease collection of the debt or any disputed portion thereof until the debt collector obtains verification of the debt or any copy of a. Abusive debt collection practices contribute to. It thought debt collection laws at that time were inadequate to protect consumers when it came to bill collection and recognized abusive debt collection practices could contribute to problems like unemployment and bankruptcy and even cause marital instability.

Fair debt collection practices act 805 c accessed aug. Congressional findings and declaration of purpose a abusive practices there is abundant evidence of the use of abusive decep tive and unfair debt collection practices by many debt collectors. The fair debt collection practices act fdcpa pub.

Fair debt collection practices act 809 b accessed aug. Congress enacted the fair debt collection practices act 15 usc 1692 fdcpa because it found abundant evidence of abusive deceptive and unfair debt collection practices. One of the most important sections within the fair debt collection practices act or fdcpa is section g which describes the debt dispute and validation process including the precisely worded notice that you must be given about your rights this section is the fdcpa s most technical and unlike most other sections which include intuitive violations this section covers concepts the average.

It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged and to promote consistent state action to protect consumers against debt collection abuses. Fair debt collection practices act section 809. 15 usc 1692a 803.

Learn how the fair debt collection practices act applies to creditors. Fair debt collection practices act section 809 validation of debts 15 usc 1692g. 1692 1692p approved on september 20 1977 and as subsequently amended is a consumer protection amendment establishing legal protection from abusive debt collection practices to the consumer credit protection act as title viii of that act.