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The Fair Debt Collection Practices Act, more commonly referred to as the FDCPA, is a USA laws that is designed to protect consumers who have creditors who are attempting to collect a debt from them. It has several features that are designed to accomplish this.

One of the most important things the FDCPA does is provide consumers with a way to dispute debts that they don't feel they owe to supposed debtors. The act also gives a way for consumers to keep track of debts they are responsible for. There are penalties that can be ascribed to companies who break the fair debt collection act.

If you are in debt and have creditors trying to contact you to pay on a debt, it's important to know your rights. This Act was designed specifically to protect the consumer, but unless consumers keep up on the regulations and take appropriate actions when they are violated, the Act cannot do its job. Creditor harassment is a serious issue and should be reported if you think you've experienced it.