#1 Rated Bankruptcy Lawyers in San Diego

Understanding The Fair Debt Collection Practices Act

Understanding The Fair Debt Collection Practices Act | Bankruptcy Law CenterThe Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from debt collectors. The FDCPA requires debt collectors to meet legal requirements when interacting with consumers who are in debt. When debt collectors violate the regulations set forth in the FDCPA, they may face liability under federal law. In recent years, the Federal Trade Commission (FTC) has collected millions of dollars for creditor violations. 

What Does the FDCPA Say?

The Fair Debt Collection Practices Act states when, how, and how often a third-party debt collector can contact a consumer debtor. The law does not regulate every debt collector. For example, if you owe money to a local business, the owner of the business is not bound by the FDCPA. 

Who is considered a debt collector under the FDCPA? The FDCPA only regulates third-party debt collections, such as professional debt collection agencies. The following debts are covered by the FDCPA:

  • Credit card debt
  • Student loan debt
  • Medical bills
  • Mortgages
  • Other household debts

When and How can Collectors Contact Debtors Under the FDCPA?

The FDCPA prevents debt collectors from contacting debtors at inconvenient times. Debt collectors cannot call outside of the hours between 8 a.m. and 9 p.m., except when the collector and debtor have made an arrangement for a call outside of the allowable hours. Additionally, debt collectors cannot use unfair, abusive, or deceptive practices when collecting debts. 

Can debt collectors call debtors at their offices or homes? Yes, unless the debtor tells the bill collector to stop calling his place of employment in writing or verbally. At that point, the collector becomes legally obligated to stop calling. 

Additionally, debt collectors must send a debtor a validation notice within five days of contacting the debtor. The validation notice must clearly state the following information:

  • How much money the debtor owes
  • The name of the debtor the creditor 
  • What the debtor should do if the debt is not his or hers

Debtors can Request that Collectors Stop Calling Their Home Phones

Are you facing constant harassing phone calls from debt collectors? If so, you have the legal right to request that the collectors stop calling. You will need to make a written request that the debt collector stops calling you. We recommend sending the letter through certified mail with a return receipt. That way, you will have proof that the doctor received your request. 

Debt Collectors can Only Discuss the Debt With the Debtor

Per the FDCPA, debt collectors can only discuss the debt with the debtor or their spouse. Debt collectors can only call third parties regarding the debt one time each. For example, debt collectors can call the debtor’s relatives, co-workers, or neighbors one time each. However, they can not reveal information about the debt. 

Contact Our Consumer Debt Protection Lawyers

Are you facing harassment from a debt collector? If so, the Bankruptcy Law Center can help. We can help you enforce your rights under the FDCPA. Contact us today to schedule your initial consultation.

See What Our Clients Have To Say

Yelp Review

Roger C.

I reached out to BLC to help assist with a chapter 7 business bankruptcy and they provided excellent guidance, advice, and support through the entire process. In my case an adversarial action was filed by one of the creditors and attorney Ahren Tiller and his staff provided sound ...arguments which prevailed. Couldn’t have found a more experienced and supportive team to represent me in a tricky situation. I would highly recommend them to anyone making the difficult but sometime necessary decision to find financial relief. Read more
Yelp Review

Justin R.

Like many others before and during the pandemic, life happenings caused me to be in a financial situation to warrant bankruptcy. The BLC was super professional all the way through the entire process. Right after I paid for my Bankruptcy, I got sick and had to have surgery and recovery. Then we ...were in full Pandemic mode. They were gracious to delay my filing until I was recovered and ready to file. I could not ask for more. The process was over all quick and painless for a simple Bankruptcy like mine. I feel a weight has been lifted and I can rebuild. Thank you for all your arduous work and patience, Gabriel, Ahren, and their teams are knowledgeable and efficient. Read more
Google Review

Katey Huntley

Responsive, friendly, kind, extremely easy to work with! So knowledgeable and made this entire process painless. Very grateful!

Google Review

Lynn Molina

Gabriel Hanna, Esq and the staff at BLC helped me in a very difficult time. I appreciate all the help and care they gave my case.

Google Review

Linda Cramer

I can’t say enough of how much this bankruptcy law firm helped me with my financial situation. They were all so helpful, efficient and made the difficult time and process as quick and easy as possible. I would recommend them to anyone I know and am glad to give my public recommendation as well. T...hey truly deserve a five star plus rating. Read more
Yelp Review

Andrea N.

I am very happy with my experience with BLC. Bankruptcy is not something anyone wants to go through, however everyone at BLC made my experience pleasant and easy. The process was explained thoroughly and I had an easy time reaching out and connecting with my attorney. Anika Renaud-Kim was my attorney ...and she was nothing short of amazing! She was very patient and generous with her time. Ms. Renaud-Kim definitely made me feel at ease and comfortable through the entire process. Read more
Facebook Review

Lidia Paramore

they did a great job for me, helped me anytime I needed something, my Lawyer Gabriel Hanna is the best, gave lots of confidence all the time..thanks BLC I will.always recommend you, I’m very grateful for your service!!!

Yelp Review

Rachael C.

When searching for information I had called a few different firms and received consults. BLC was the only one who didn’t shy away and provided answers and information during the consult. Once I agreed to move forward, they were supportive, informative, and eased my anxiety through the whole process.... I can’t recommend them enough. Read more
Google Review

Emily Martinez

AmazingI had many questions and uncertainties and the carefully explained it all and made it easy to understand. They facilitated a fast and easy process making this scary difficult thing simple

Ready To Eliminate Your Debt?

Bankruptcy is still the best option. Other debt plans make promises, but only bankruptcy delivers.




1230 Columbia St. #1100 San Diego, CA 92101


11500 Olympic Blvd., 4th Floor Los Angeles, CA 90064


380 South Melrose Drive #308 Vista, CA 92081
© 2023 Bankruptcy Attorneys. All Right Reserved.

Legal Disclaimer: The Bankruptcy Law Center is a California Licensed law firm with attorneys licensed in the state of CA, NY. Attorney Ahren Tiller is responsible for this advertisement. Bankruptcy Law Center’s principal office is located at 1230 Columbia st. Suite 850 San Diego, CA 92101. Prior results listed on this site do not depict or in any way infer a prediction or outcome.We are a debt relief agency proudly providing options to people with financial problems. View our Privacy Policy

© 2023 All Rights Reserved.