The Fair Debt Collection Practices Act (FDCPA) was enacted in 1977 to protect consumers from abusive, unfair, and deceptive practices by third-party debt collectors. The law details when and how a collector may contact a debtor. The government enforcer of the law has historically been the Federal Trade Commission (FTC), but some regulatory duties may be shared with the Bureau of Consumer Financial Protection housed within the Federal Reserve, created in 2010. The FDCPA is a strict civil liability law, which means that a consumer need not prove actual damages in order to claim statutory damages of up to $1,000 per violation plus reasonable attorney fees.

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Latest CFPB Consent Order Changes the Rules for Collection Law Firms

10 January 2017

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Collection Agency Wins FDCPA Case Against Plaintiff Without an Account

9 January 2017

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FDCPA Case Law Review for November 2016

9 January 2017

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Agency Seeking Attorney Fees in FDCPA Case Gets Mixed Result

5 January 2017

Kansas District Court Provides No Clarity on Payment/Revival Disclosures

4 January 2017

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Requesting Attorneys’ Fees in Court Summons Does Not Misrepresent Amount of Debt

3 January 2017

Illinois Federal Judge Rules Collection Agency is Liable for Law Firm's FDCPA Violation

20 December 2016

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Judge Grants Collection Agency's Motion For Summary Judgment in FDCPA Bona Fide Error Case

15 December 2016

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Judge Denies Prevailing Party's Motion For Attorneys' Fees in FDCPA Case

14 December 2016

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Court Holds That Interest Reference in Dunning Letter is Not FDCPA Violation

12 December 2016

Breaking News: Second Circuit Court of Appeals Denies Request for Interlocutory Appeal in FDCPA Voice Message Case

8 December 2016

Fasten Your Seatbelts For The Case Of This Mafia-Style Consumer Litigation Operation

7 December 2016

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Federal Judge Determines That 18 Calls Over Two-Week Period Does Not Violate FDCPA

6 December 2016

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U.S. District Court Judge Rules Against Collection Agency for Incomplete Disclosures

6 December 2016

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Attorney “On Retainer” for Collection Agency Must Provide his Own Validation Notice When Contacting a Consumer

29 November 2016

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6th Cir. Rejects Debt Collector’s Efforts to Distinguish Campbell-Ewald Following Offer of Judgment Success in Trial Court

22 November 2016

CFPB Files Amicus Brief in FDCPA Case About Social Security Benefits

22 November 2016

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NY Judge Sanctions Plaintiff Attorney for Making Mountain Out Of Molehill

15 November 2016

The Election That Changed the Collection Industry Forever

9 November 2016

4th Cir. Holds Foreclosure is FDCPA ‘Debt Collection,’ Mere Servicer Need Not Provide TILA Notice of Assignment of Loan

8 November 2016