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Fair Debt Collection Practices Act FAQs


What Does the FDCPA Stand For?

The FDCPA stands for the Fair Debt Collection Practices Act.

What Does the FDCPA Do?

The Fair Debt Collection Practices Act protects consumers from illegal, unfair and deceptive debt collection attempts.

What Counts as an FDCPA Violation?

There are a number of things that can violate the FDCPA. A few of them are:

  • Excessive phone calls
  • Calls to your work place
  • Calls to family members
  • Debt collection letters
  • Trying to collect after a bankruptcy discharge
  • Misrepresenting the amount of debt owed
  • Threat of a lawsuit

What is Recoverable Under The FDCPA?

If your rights have been violated, you may be entitled to financial compensation. This includes statutory damages of $1,000. You may also recover additional compensation if you have suffered emotional stress or invasion of privacy through these debt collection attempts.

What Should I Do if My Rights Have Been Violated?

The first step is to make sure you keep all documentation you have of the violation. From letters to voicemails, make sure you keep everything you can. Secondly, contact an experienced FDCPA attorney near you.

North Carolina FDCPA Attorneys

If you believe that a debt collector has violated your rights under the FDCPA, please contact Maginnis Howard’s FDCPA attorneys as soon as possible. Our FDCPA attorneys offer free initial consultations regarding FDCPA claims. We handle all FDCPA cases on a contingency fee basis.

To discuss your FDCPA claim, contact our firm at 919-526-0450 or by email  You may also send any questions or inquiries you have about the Fair Debt Collection Practice Act through our contact page.