The Fair Debt Collection Practices Act (FDCPA) was enacted in 1978 to protect consumers from unscrupulous and abusive collection practices. The act limits certain types of actions collectors can take regarding debts they claim you owe. The Act also allows consumers to dispute the debt and ask the collector to provide proof that the debt is valid.
Divorced at a young age, she raised her daughter on her own. Now retired and living in her daughter's home, she has accumulated $16,000 in credit card debt. Try as she may, she has been unable to pay off this debt with her pension and social security.