Debt Collection Overview — The FDCPA

Federal and state laws regulate the collection of debts. The applicable federal law is the Fair Debt Collection Practices Act, or FDCPA. The FDCPA governs the techniques a debt collector may employ in the collection of a debt. The FDCPA does not apply to those creditors who collect debts in-house or to government employees whose job is to collect government debts, such as student loans. Read more