The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive, unfair, and deceptive debt collection practices. It limits when and how debt collectors can contact you, requires debt validation, and provides remedies for violations.
Under the FDCPA, you have the right to request debt validation, dispute debts, restrict communication methods, and sue collectors who violate the law for damages up to $1,000 plus actual damages.