The FDCPA also provides, for example, that debt collectors may not harass or annoy debtors, may not threaten debtors with arrest, and may not threaten legal action unless litigation actually is being contemplated. While this covers a significant number of individuals and homes, about 30% of Americans are left out of this provision. These are specific a debt collector can't do. L. 111-203, title X, 124 Stat. Tagged Boston University Law School, Boston University School of Law, BU Law, CARES Act, Congress, consumer debt, COVID-19, evictions, Fair Debt Collection Practices Act, FDCPA, housing, mortgages, Sen. Sherrod Brown, Small Business and Consumer Debt Collection Emergency Relief Act of 2020, COVID-19’s impact on the world has been unsparing: it has taken thousands of loved ones and overburdened healthcare systems. §1692d. Existing laws and procedures for redressing these injuries are inadequate to protect consumers. startxref Ask for Debt Validation, What to Do If a Debt Collector Calls Your Relatives About Your Debt, Debt With Expired Statute of Limitations: Sample Letter to Collectors, Here Is a Look at the Debt Validation Requirements for Collectors, How to Stop Those Annoying Calls From Debt Collectors, Debt Collectors Rarely Make House Calls, But it Can Happen, Use This Letter to Dispute a Debt Collection You're Unsure Of. 0000021408 00000 n [chamberOfAction] => Senate "Fair Debt Collection Practices Act § 809(b)." This bill applies consumer debt collection protections to small businesses, including protections regarding debt collection methods and third-party debt collection. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code. 102-550 (October 28, 1992) The Fair Debt Collection Practices Act (FDCPA) (15 USC 1692 et seq. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. (6) subtitle E of the Consumer Financial Protection Act of 2010 [12 U.S.C. 0000004651 00000 n Moreover, the Act pauses any legal action against the debtor, even if the proceeding began before the disaster was declared. (8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Any debt collector who brings any legal action on a debt against any consumer shall --, (1) in the case of an action to enforce an interest in real property securing the consumer's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located; or, (2) in the case of an action not described in paragraph (1), bring such action only in the judicial district or similar legal entity --, (A) in which such consumer signed the contract sued upon; or.