The FDCPA is a federal law that talks about all the things a bill collector can and cannot do. It stands for Fair Debt Collection Practices Act. The FDCPA doesn’t apply to original creditors; it only applies to third party debt collectors – people who obtained the debt after it was already in default. The FDCPA is a list of laws that says all the things that a debt collector must do in every communication. The FDCPA also says all of the things that a debt collector cannot do in any communication. In the course of collecting a debt, a debt collector must obey all these laws. If they don’t, they are subject to Section K of the FDCPA, which says is that any bill collector that breaks this law must pay the consumer a maximum of $1,000 plus any actual damages plus their attorney’s fees and court costs.