Many People Are Cautious About Credit Card Spending

The Fair Debt Collection Practices Act (FDCPA) has been around for over 30 years. The FDCPA is a federal law that applies to every state. In other words, everyone is protected by the FDCPA. Its purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair collection, and to provide consumers with an avenue for disputing and obtaining validation of information in order to ensure the information’s accuracy. The FDCPA creates guidelines under which debt