Fair Debt Collection Practices Act

[AI summary unavailable — showing source text] Debt Collection Practices Act - Prohibits debt collectors from harassing or intimidating consumers in connection with the collection or attempted collection of any alleged debt arising from a consumer credit transaction. Sets forth conduct violating this Act, including the use of violence by a debt collector, or publication of a list of consumers who allegedly refuse to pay debts. Prohibits communication with any person other than the consumer owing the debt or the spouse without prior consent of the consumer. Prohibits false or misleading representation or impersonation in connection with the collection of an alleged debt. States that not debt collector may engage in unfair practices, such as soliciting a post-dated check for purposes of threatening criminal action. Prohibits debt collectors from taking specified legal actions, such as causing unauthorized service of process. Provides that each debt collector must disclose, clearly and accurately, to each consumer a list of information which includes the date the alleged debt was incurred and the original creditor. Sets forth civil and criminal penalties for violation of the provisions of this Act. Requires the Federal Trade Commi…