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The Fair Debt Collection Practices Act (FDCPA), Pub. L. 95-109; 91 Stat. 874, codified as 15 U.S.C. § 1692 –1692p, approved on September 20, 1977 (and as subsequently amended), is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
U.S. state laws on fair debt collection generally fall into two categories: laws which require persons who are collecting debts from consumers to be licensed, registered or bonded in order to collect from consumers in their states, and laws that protect consumers from specific unfair practices by debt collectors, which may include collection agencies and sometimes original creditors. [2]
It’s important to be aware of these laws to stand up to any debt collector that violates your rights. They have rules for contacting you. Debt collectors are limited on when they can call you ...
The Constitution of Texas is the foremost source of state law. Legislation is enacted by the Texas Legislature, published in the General and Special Laws, and codified in the Texas Statutes. State agencies publish regulations (sometimes called administrative law) in the Texas Register, which are in turn codified in the Texas Administrative Code.
A sweeping Texas bill stripping authority from cities passed the state Senate on Tuesday and is now headed to the governor’s desk. House Bill 2127 takes large domains of municipal governing ...
The Texas Legislature is the state legislature of the U.S. state of Texas. It is a bicameral body composed of a 31-member Senate and a 150-member House of Representatives . The state legislature meets at the Capitol in Austin .
Ahead of the legislative session beginning next week, state Rep. Giovanni Capriglione, R-Southlake, filed House Bill 1554 to ban state and local entities from using taxpayer money to fund legal ...
Debt validation, or "debt verification", refers to a consumer's right to challenge a debt and/or receive written verification of a debt from a debt collector. The right to dispute the debt and receive validation are part of the consumer's rights under the United States Federal Fair Debt Collection Practices Act (FDCPA) and are set out in §809 of that act, which has been codified in Title 15 ...