Federal legislation protect you. The Fair Debt Collections techniques Act (FDCPA) regulates the behavior of debt collectors by prohibiting actions like the utilization of abusive or threatening language; harassment; or even the usage of false or misleading information to get a debt. The FCRA regulates just just how debt collectors and creditors report delinquent debts to credit scoring agencies. Extra customer protection rules are the phone customer Protection Act (TCPA) therefore the Consumer Financial Protection Act (CFPA).