Click on page icon to navigate THE FAIR DEBT COLLECTION PRACTICES ACT History and Purpose of the Act Persons Covered by the Act Attorneys as Debt Collectors First Party Collectors Not Covered by FDCPA Governmental and Other Actors Transactions Covered by the Act Communication With a Debtor Verification of a Debt “MiniMiranda” Warnings Ceasing Communications Communication With Third Parties Prohibited Conduct DAMAGES FOR VIOLATION OF THE FDCPA