The Fair Debt Collection Practices Act (FDCPA), codified at 15 U.S.C. Subchapter V, restricts the conduct of third-party debt collectors when pursuing payment. Collectors may not harass consumers and may only contact them between 8 a.m. and 9 p.m., unless the consumer agrees to another time. If a consumer requests in writing that communication stop, the collector must cease contact and provide written notice of the debt, including the amount and the name of the creditor. Collectors may contact other individuals solely to locate the consumer but may not disclose the existence of the debt. The FDCPA also prohibits false, misleading, or threatening statements during collection efforts. Consumers may sue debt collectors who violate the Act and recover damages and attorney fees.
[Last reviewed in August of 2025 by the Wex Definitions Team]