Jason S. Miyares
Attorney General of Virginia

Debt Collection

The federal Fair Debt Collection Practices Act (FDCPA) requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them. Please keep in mind that the FDCPA relates to third-party debt collectors who attempt to collect debts owed to others. In addition, the law does not erase any legitimate debt you owe. 

Fair Debt Collection Practices Act - Summary