Fair Debt Collection

Relied on for over 40 years and cited by the U.S. Supreme Court, NCLC’s preeminent treatise provides practitioners with all the tools needed to successfully bring Fair Debt Collection Practices Act (FDCPA) lawsuits.

Key FDCPA Coverage & Practical Tools

• Industry Overview & Practice Guidance: Introductory materials on the debt collection industry, consumer impacts, and an attorney guide to FDCPA practice.
• Constitutional Standing Analysis: Dedicated chapter and guidance on federal standing requirements following the Supreme Court’s Ramirez and Spokeo decisions, plus a digital state-by-state analysis of state court standing.
• CFPB Regulation F & Case Law Updates: Detailed discussions of Regulation F along with recent case law interpretations.
• Litigation Strategy & Pleadings: Sample pleadings and discovery, consumer remedies, strategies to respond to collector defenses, and methods for avoiding arbitration.
• Digital FDCPA Case Connector: Instant searchable access to over 15,000 case summaries by keyword, topic, court, state, or case name.

Non-FDCPA Sources of Debt Collection Law

• State Debt Collection Statutes: Critical analysis for establishing creditor liability, featuring a 50-state statutory summary.
• State UDAP Statutes: Guidance on expanding coverage to creditors, enhancing remedies, and addressing new forms of abuse.
• Common Law Torts: Legal bases for seeking punitive damages.
• Other Federal Statutes: Overview of additional federal remedies and restrictions relevant to debt collection.

Praise

"The most widely used manual in the field."
—Aslam v. Malen & Assoc., 2009 WL 3853191 (E.D.N.Y. 2009)

"The meticulously organized and well-written chapters are detailed and practical."
—Library Journal

"The NCLC Fair Debt Collection book is utterly indispensable in my practice as a consumer lawyer. I keep the book within arm's reach from my desk."
—Michelle A. Weinberg, Supervisory Attorney, Consumer Practice Group, Chicago, IL