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1 Practices Act (FD CPA) (15 U.S.C. 16921692p) and the Rosenthal Fair Debt 2 Collection Practices Act (Cal. CIV. Code 17881788.33) (RFD CPA). 32. Monarch (or one of its agents) calls consumers, alleging
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The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the behavior of third-party debt collectors who are attempting to collect debts on behalf of creditors.
Any third-party debt collector who is attempting to collect a debt on behalf of a creditor is required to comply with the regulations outlined in the FDCPA.
To comply with the FDCPA, debt collectors must ensure that they are accurately reporting and documenting interactions with debtors, following specific guidelines for communication, and providing certain disclosures to debtors.
The purpose of the FDCPA is to eliminate abusive and unfair debt collection practices, protect consumers from harassment, and provide guidelines for ethical debt collection.
Debt collectors must report information such as the amount of the debt, the name of the creditor, and details of the debt repayment process on the FDCPA.
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