The Fair Debt Collection Practices Act was put into place to protect consumers from unscrupulous debt collectors. For example, collectors may not talk about your debt with or harass your friends, family members, or coworkers. If you do not believe that you owe the creditor, then you may send a letter to the collector stating that you don’t owe the money. Debt collectors must follow a specific procedure when it comes to taking actions against you.
Ultimately, the purpose of the Fair Debt Collection Act was to allow those who are struggling financially to find a way to work through their debt and begin fresh. If you are concerned that you won’t be able to pay the bills and if you feel that you are a victim of creditor harassment, then contact a lawyer who can help you find a resolution to the situation.