The Telephone Consumer Protection Act, or “TCPA,” was first enacted in 1991. Its purpose was to stop telemarketers calling late at night trying to sell you aluminum siding as you prepared for bed. Later, Congress decided to expand its scope to apply to collection activities, leading to the TCPA and the Fair Debt Collection Practices Act, “FDCPA,” as the two main regulating bodies of law governing the collection of consumer debt in the United States. While the main purpose of

It happens to the best of us. Financial hard times can hit unexpectedly. Sometimes no matter how much we plan, we can't prepare for everything. Whether your financial hardship is the weight of credit card debt, daily calls from medical collections or just making enough to feed your family, YOU need to know your rights as a consumer. Do not let collectors take advantage of you and your finances. THE BUSINESS: When in third party collections, the first thing you need to kn