The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive debt collection practices. Under the FDCPA, debt collectors are prohibited from engaging in behaviors that constitute harassment, such as making repeated phone calls with the intent to annoy or harass, using abusive or threatening language, and misrepresenting the amount or legal status of a debt. When you file for bankruptcy, the automatic stay provision further protects you by halting all collection activities, giving you breathing room to sort out your finances without harassment.

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