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An Overview of the Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act or "FDCPA" is a federal statute aimed at eliminating abusive debt collection practices by debt collectors. The FDCPA applies to the collection of debts that are primarily for personal, family, or household purposes. That is, it does not apply to the collection of commercial debts. It also does not apply to creditors who collect their own debts in their own names.

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