FDCPA

Quick Summary The FDCPA sets firm federal rules on how debt collectors can contact consumers, what they can say, and what tactics are off-limits entirely. Texas residents are protected under this law regardless of where the debt originated or who is collecting it. Violations are more common than many people expect, and collectors who crossContinue reading “How The FDCPA Affects Debt Collection Practices In Texas”

Quick Summary The FDCPA permits debt collectors to contact third parties to locate a consumer, but the law restricts those contacts to a single interaction per person, prohibits any disclosure of the debt, and bars collectors from using company names that signal collection activity. Once a consumer retains legal representation, all third-party contact must stopContinue reading “Understanding FDCPA Location Information”

Hearing from a debt collector can be stressful, especially when the account seems unfamiliar or the balance does not look right. Before agreeing to pay or making any commitments, it is important to understand that you have the right to request proof. At Debt Defenders, we work with people across Texas who are dealing withContinue reading “A Quick Guide To FDCPA Debt Validation”