The FDCPA prohibits debt collectors from using unfair, deceptive, or abusive practices when collecting debts. This applies to personal, family, and household debts, including car loans, medical care, and charge accounts.

According to the FDCPA:

• Debt collectors may only contact you between 8 a.m. and 9 p.m.
• If they know your employer disapproves, they may not contact you at work.
• Debt collectors must not harass, abuse, or oppress you.
• Debt collectors may not lie while collecting debts, such as falsely implying that you have committed a crime.
• Debt collectors must identify themselves clearly to you on the phone - they may not disguise their identity or purpose.
• If you send a written request, debt collectors must stop contacting you.

For further information regarding this law and other consumer and credit-related rights, visit the Federal Trade Commission's web site at www.ftc.gov.