The Fair Debt Collection Practices Act (FDCPA) is a law originally passed in 1978 in order to protect consumers and regulate the tactics that can be used to by debt collectors. If you have had collection agencies hounding you over a debt, it is imperative that you know what you rights are as outlined in the FDCPA.
The FDCPA is what you will be using to protect you against collection agencies and their shady, illegal debt collection tactics and allow you to fight back against them. It is your best weapon to get collection agencies out of your life and collection accounts off of your credit report. It is also what allows you to sue them in small claims court for violating your consumer rights.