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You are protected by The Fair Debt Collection Practices Act, which is the federal law that protects consumers from harassment and abusive collection practices. The Fair Debt Collection Practices Act applies to collection efforts that are employed by persons other than the original creditor “that regularly collect debts owed to others.” The FDCPA applies to third party collectors who have purchased accounts or been hired by an “original creditor” to collect on a debt. Original credit institutions are not required to abide by the provisions set forth by the act. Understanding the Fair Debt Collection Practices Act and letting the creditors know that you understand your rights is often one of the most effective ways of dealing with collectors and their threats.

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