Currently, The Fair Debt Collection Practices Act is still weak and consumers need more protection.
Changes need to be made:
1. No time limit on the Validation of Debts. Change Section 809 of the FDCPA from 30 days to no time limit.
3. Third party collection agencies cannot sue consumers if they had purchased the debt since the debt was not originally made between the consumer and the debt collector unless the consumer signed an agreement with debt collector.
3. Third party debt collectors cannot contact the consumers place of employment for any reason.
4. Collection Agency can only call the consumer no more than 2 times per week 8am - 5pm Mon-Fri.
5. Credit Reporting Agencies can only report adverse accounts for 3 years instead of 7 from the original delinquent date of the debt.