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Official Opinions

 

Consumer - Debt Collection

The federal Fair Debt Collection Practices Act (FDCPA) requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.  Please keep in mind that the FDCPA relates to third-party debt collectors who attempt to collect debts owed to others.  In addition, the law does not erase any legitimate debt you owe.

More Information:

Fair Debt Collection Practices Act Summary

Where to File a Complaint

If you have a complaint about a debt collector or possible violation of the FDCPA, you may file a complaint with the Federal Trade Commission (FTC) which is the federal agency that has primary regulatory and enforcement authority over provisions of the FDCPA. The FDCPA also provides for private rights of action.

File a complaint with the FTC

You also may file a complaint with our office if the debt collector is located in Virginia.

Scam Debt Collection Calls

Many Scammers pose as debt collectors and will use threats and scare tactics to get a target to “pay up” quickly. Some pose as national banks or government agencies such as the FBI and may threaten to repossess a house, issue an arrest warrant, or, in some cases, even physical violence. No legitimate debt collector would threaten such things, because they all run afoul of the Fair Debt Collection Practices Act rules

Therefore, consumers should arm themselves with this information: