The Fair Debt Collection Practices Act (FDCPA) has been around for almost 35 years. It is a federal law that applies to every state. In other words, everyone is protected by FDCPA. Its purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining debt validation information in order to ensure the information's accuracy. It creates Debt Collection Laws as guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the FDCPA. It is essentially a laundry list of what debt collects can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt.
People should be aware that FDCPA protects debtors and non-debtors alike with the implementation of Debt Collection Laws. That is, everyone is protected by the it, even if you do not owe the debt. The Fourth and Eight Circuits, in Rawlinson v. Law Office of William Rudow and Dunham v. Portfolio Recovery Associates, LLC, recently held that whether or not someone owes the debt is immaterial for an FDCPA claim. The legislative history of the FDCPA supports this finding, too:
This law also protects people who do not owe money at all. This is also stated in the Debt Collection Laws. In the collector's zeal, collections effort
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