What is the Fair Debt Collection Practices Act (FDCPA)?

Cesar MontalvoConsumer Law

The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can …

Texas Deceptive Trade Practices Consumer Protection Act (DTPA)

Cesar MontalvoConsumer Law

The underlying purpose of the Texas Deceptive Trade Practices Consumer Protection Act (DTPA) is to protect consumers against false, misleading, and deceptive business practices, unconscionable actions, and breaches of warranty and to provide efficient and economical procedures to secure such protection.  Unlawful Acts Under the Texas Deceptive Trade Practices Consumer Protection Act include: Breach of Warranty: This statute is invoked …