Our Commitment to Fair Practices
We comply with all federal and state debt collection laws
FDCPA Compliance
EthicalDebt operates in full compliance with the Fair Debt Collection Practices Act (FDCPA), a federal law that governs debt collection practices. We are committed to conducting our business professionally, ethically, and within the bounds of all applicable laws.
Our Professional Standards
Respectful Communication
Our team is trained to communicate professionally and respectfully with all individuals regarding outstanding debts.
Accurate Records
We maintain detailed and accurate records of all accounts and communications in accordance with legal requirements.
Licensed & Regulated
EthicalDebt is licensed in the State of Florida and subject to regulatory oversight to ensure compliance with all applicable laws.
About the Fair Debt Collection Practices Act
The FDCPA is a federal law that establishes standards for debt collection practices. Under this law, consumers are afforded certain protections, and debt collectors are required to follow specific guidelines when collecting debts.
Key Points
- The FDCPA prohibits harassment, false statements, and unfair practices in debt collection
- Debt collectors must provide written notice of debts being collected
- Consumers may request information about their debts
- There are restrictions on when and how debt collectors may contact consumers
For detailed information about your rights under the FDCPA, you may visit the Consumer Financial Protection Bureau at consumerfinance.gov or consult with a legal professional.
Working With EthicalDebt
We believe in transparent, professional communication. If you have been contacted by EthicalDebt regarding a debt:
Review Your Account Information
You will receive written notice regarding the debt, including the amount and creditor information.
Contact Us
If you have questions or wish to discuss payment options, our team is available during business hours.
Resolve the Matter
We work with consumers to establish reasonable payment arrangements and resolve outstanding debts.
Questions or Concerns?
If you have questions about an account or our collection practices, we encourage you to contact us directly. Our team is committed to addressing your concerns professionally and in accordance with all applicable laws.
External Resources
For independent information about debt collection laws and consumer protections, you may consult:
- Consumer Financial Protection Bureau (CFPB)
- Federal Trade Commission (FTC)
- Your state attorney general's office
- A qualified attorney