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What does the FDCPA have to do with contact re credit card debt?

It seems as though it does not take much to end up with overwhelming financial issues. Credit card debt in particular can sneak up on many Texas residents just as it does for others across the country. For some, it is only when the incessant phone calls from creditors begin that the true scope of the problem really hits home. The last thing that people need as they are struggling with their debt is harassing phone calls.

Unfortunately, credit card companies have the right to contact consumers regarding their outstanding debt if it is not being paid. Fortunately, the Fair Debt Collections Practices Act does put some rules on how and when those phone calls can occur. First, the company may only make calls during certain hours -- between 8 a.m. and 9 p.m.

They cannot harass third parties such as family members or an employer. In fact, creditors collecting a debt cannot contact individuals at their place of employment if they know they are not to do so. Consumers can request that the phone calls stop by contacting the company calling in writing, making such a request. This is just the tip of the iceberg when it comes to the restrictions placed on creditors and debt collectors calling consumers.

Texas residents who have credit card debt they are struggling to pay may want to better familiarize themselves with the FDCPA. They do not have to put up with certain behaviors from those attempting to collect on debts. It may also be a good idea to become familiar with all of the available debt relief options, including bankruptcy, in order to get back on the right financial track.

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