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  • Member Since: September 2, 2017

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HUD Housing Counseling Agencies located in NEVADA

HUD-approved housing counseling agencies are available to provide you with the information and assistance you need to avoid foreclosure. As part of Homeowner Affordability and […]

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FAIR DEBT COLLECTION PRACTICES ACT

Debt-Credit Consolidation December 30, 2024

FAIR DEBT COLLECTION PRACTICES ACT

 

The federal law, the Fair Debt Collection Practices Act (“FDCPA”), protects consumers from abusive or harassing, false or misleading, and/or unfair practices of third party debt collectors or attorneys attempting to collect debts incurred for personal, family, or household purposes. Business or agricultural debts are not covered by the FDCPA.

The FDCPA does not apply to creditors when they obtained the debt before default. However, the buyers of old debt obtained the obligation after it had fallen into default; therefore, they are debt collectors covered by the FDCPA.

 

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