Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act was enacted by congress in 1978 to promote ethical business practices by debt collectors. The FDCPA offers some of the strongest protections provided by any federal or state law regulating the activities of debt collectors.
The "Act" restricts debt collectors' collection efforts and choice of venue. It defines who is a "debt collector" and provides a punitive framework for penalties of those that violate the Act. Generally, the Act governs the collection activities of debt collection agencies, creditors using false names or collecting for other creditors, collection attorneys and purchasers of delinquent debts. The intent of the Act was to provide a statutory scheme that extends protection to the least sophisticated consumer from being harmed by abusive or misleading practices.
USCB America supports and adheres to both the spirit and technical specifications of the FDCPA and requires of its' employees strict compliance to the Act.