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Fair debt Collection Practices Act - You can do if you believe a debt collector violated the law.


You have the right to sue a collector in a state or federal court within one year from the date from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to $1000. Court costs and attorneys fees also can be recovered. A group of people also may sue a debt collector and recover money for damages up to $500,000, or one percent of the collectors net worth, whichever is less.
 
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FTC Reaches Settlement with Debt Buyer Regarding Collection of Past-Statute Debt

ACA International
The Federal Trade Commission (FTC) recently reached a $2.5 million settlement agreement with a debt buyer for alleged violations of the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA) and the Federal Trade Commission ...
FTC Reaches Settlement with Debt Buyer Regarding Collection of Past-Statute Debt

Have old debts? The collector might be too late.

Washington Post
However, under the federal Fair Debt Collection Practices Act, they cannot sue you for a debt that's time-barred. The problem is that the statute of limitations varies from state to state. And it can also vary depending on the type of debt.
Have old debts? The collector might be too late.
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