How to File a Complaint With the FDCPA

The Fair Debt Collections Practices Act prohibits abusive debt collection processes. Prohibited acts by debt collectors against debtors include, but aren't limited to, cursing, threats, contacting neighbors or employers and falsely representing themselves as criminal investigators. The Federal Trade Commission, which enforces the act, reports that complaints about debt collectors form the bulk of the complaints it receives, more than 100,000 in 2010 alone. The FTC does not resolve individual complaints, but a large number of complaints could trigger an investigation. Collectors who violate the law may find themselves subject to fines.

Instructions

1

Do a little research. Read the FTC's guide to the Fair Debt Collection Practices Act. It will help you learn what constitutes harrassment when a debt collector contacts you. The guide can be found on the FTC's website.

2

Take notes. If a debt collector calls you, jot down what he says. If you have reviewed the FTC's guide, listen for potential violations. Also, ask for the caller's name and the company's name and address. Keep a pen and paper near your phone for the next time the debt collector calls.

3

Go to the FTC webiste. Click the tab marked "Consumer Protection." Then click "File a Complaint." From there, click the "FTC Complaint Assistance" box. Follow the prompts and fill out the form, referring to your notes.