Consumer Law

New Consumer Guide On Four Requirements For The FDCPA To Apply

By M. Stan Herring

The Fair Debt Collection Practices Act (FDCPA) is a powerful law that can be very effective at fighting back against abusive debt collectors.

But it doesn't always apply - even if you are being abused by a collector.

In this guide we discuss the four requirements for the FDCPA to apply:

1. You are a consumer;
2. The debt (or alleged debt) is a consumer debt - not a business debt;
3. The collector is a "debt collector"; and
4. The debt collector has violated the FDCPA.

You can check out our other guides under my Avvo profile.

You can also look at our FAQ on debt collector abuse.

If you have further questions or concerns, feel free to contact us through our website or by calling 205-879-2447.

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Full post as published by Alabama Consumer Blog on May 03, 2010 (boomark / email).