Delev & Associates, LLC

What does the Fair Debt Collection Practices Act do?

Every day credit contracts and obligations are entered into by individual and companies alike in Ohio. While frequently debtors are able to repay their obligations as promised, there are times when this does not happen. In these situations, creditors may reach out to debtors in an attempt to receive the amounts due. However, in attempting to collect debts, you shoudl know that creditors are bound by legal requirements that dictate what they can and cannot do and how they may or may not treat consumers.

The Consumer Finance Protection Bureau explains that these regulations are governed by the Fair Debt Collection Practices Act. Entities that are covered by the FDCPA include attorneys that may be collecting debts, collection agencies or debt buyers. A debt buyer is a person or company that has paid another company to buy debts with the intention of attempting to collect on those debts.

The FDCPA governs actions related to personal debts including those related to a household, health and medical bills, unsecured debt like credit cards and secured debt like mortgages. It is important for you to understand that business debts are not covered by the Fair Debt Collection Practices Act. The law outlines when or where creditors may attempt to contact a debtor and indicates that when a debtor is working with an attorney, creditors must direct communication to the attorney not the consumer.

This information is not intended to provide legal advice but is instead meant to give Ohio residents and businesses an overview of the Fair Debt Collection Practices Act.

No Comments

Leave a comment
Comment Information


    • Delev & Associates, LLC BBB Business Review
Contact Us

Contact Us For Advice And Help

Our attorneys are readily available and responsive. To schedule a free initial consultation, please call 800-593-8453 or 513-277-0816 or contact us. We look forward to assisting you with your case.

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Delev & Associates, LLC
1050 Delta Avenue, Suite 1000
Cincinnati, OH 45208

Toll Free: 800-593-8453
Phone: 513-277-0816
Fax: 513-562-8822
Cincinnati Law Office Map

Free Consultation: 
Toll Free 800-593-8453
Local 513-277-0816