ITRC Fact Sheet 116A
Your Debt Collection Rights

This section is not intended to be a complete or official summary of the Fair Debt Collection Practices Act (FDCPA). The FDCPA is enforced on the federal level by the Federal Trade Commission. It provides the legal framework and restrictions for collection agencies in how they conduct their business. There may also be additional regulations in the state where you reside that provide further consumer protection.

Keep in mind that the FDCPA laws were intended for use in governing third party debt collectors when working with the true consumer that allegedly owes the debts and was not meant to specifically address identity theft. The FDCPA was not created as a tool for an individual to avoid paying a valid debt. Unfortunately, some unscrupulous consumers are claiming identity theft to avoid their true obligations.


This fact sheet should not be used in lieu of legal advice. Any requests to reproduce this material, other than by individual victims for their own use, should be directed to This email address is being protected from spambots. You need JavaScript enabled to view it..