A call from a debt collector is unwelcome and frightening for most people. If that same debt collector begins to call your friends, loved ones, and coworkers, then you're likely to be even more upset and even feel humiliated. The Fair Debt Collection Practices Act (FDCPA) limits who and when debt collectors can call. If you or people you know are receiving unwanted -- and possibly illegal -- phone calls from a debt collector, it's important for you to know what the FDCPA says about when debt collectors can call and who they can talk to.
While the foreclosure rate in Pennsylvania and across the U.S. has declined dramatically since the height of the 2008 Financial Crisis, far too many people still face the frightening prospect of being evicted from their homes. Sadly, many people who are facing foreclosure assume that they have no options for fighting an eviction.