In 1978, the Fair Debt Collection Practices Act was added, as Title VIII, to the Consumer Credit Protection Act. Its purpose is to ensure debt collection is pursued fairly rather than abusively and to give consumers a way to dispute or validate the accuracy of certain debt information. Guidelines inform collectors on how to conduct business, the rights of consumers and the penalties for violating the Act.
How exactly does one violate the Fair Debt Collection Practices Act?
There are several ways to violate the Act, beginning with a failure to follow proper protocol when obtaining information: During this process, a collector must identify himself and state merely that he is collecting information, not that the consumer in question is in debt. The collector may only approach an individual once unless otherwise requested, and communication cannot be in the form of a post card. Any documents exchanged must not reveal that the collector is attempting to collect from the debtor, and finally, once an attorney is obtained by the debtor, the collector must go through the attorney and no other individual.
Similarly, when collecting the debt, certain rules apply: Communication between the debtor and the collector may not take place at any unusual […]

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