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The FDCPA or Fair Debt Collection Practices Act, is a statute in the United States 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 feature of the FDCPA is to provide consumers with a way to dispute debts that they don't feel they owe to supposed debtors. The act also provides 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 the creditor is represented by an attorney, they cannot be contacted without violating the act. There are also specific hours set up that a creditor can contact a debtor. If attempts at contact are made outside of these hours, they are in violation. Creditors are also banned from publishing the consumers name on a 'debt list', contacting the consumer after the consumer has asked for validation of the debt and using abusive or profane language.