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(a) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt— (1)
- 15 U.S.C. 1692
15 U.S. Code § 1692 - Congressional findings and declaration...
- 15 U.S.C. 1692
- Abusive Practices
- Available Non-Abusive Collection Methods
- Interstate Commerce
- Purposes
- Effective Date
- Short Title
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.
Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.
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. (Pub. L. 90–321, title ...
Pub. L. 90–321, title VIII, §819, formerly §818, as added by Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 883, §818; renumbered §819, Pub. L. 109–351, title VIII, §801(a)(1), Oct. 13, 2006, 120 Stat. 2004, provided that: "This title [enacting this subchapter] takes effect upon the expiration of six months after the date of its enactment [Sept. 20, 1977...
This subchapter known as the "Fair Debt Collection Practices Act", see Short Title note set out under section 1601 of this title.
As amended by Pub. L. 111-203, title X, 124 Stat. 2092 (2010) As a public service, the staff of the Federal Trade Commission (FTC) has prepared the following complete text of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. §§ 1692-1692p.
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15 U.S.C. § 1692 (2022) Section Name. §1692. Congressional findings and declaration of purpose. Section Text. (a) Abusive practices. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.
- 15 U.S.C. § 1692 (2022)
15 U.S. Code § 1692 - Congressional findings and declaration of purpose. U.S. Code. Notes. prev | next. (a) Abusive practices. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.
A creditor may seek to collect an outstanding debt in several ways. However, because of “abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors,” (15 U.S.C. § 1692) Congress enacted the Fair Debt Collection Practices Act (FDCPA) in 1978, codified in 15 U.S. Code Subchapter V.
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except—.
