Congress passed the Fair Debt Collections Practices Act ("FDCPA") in 1977 to curb certain unseemly debt collection practices, such as late-night phone calls to consumers, embarrassing communications to third parties, and other assorted activities. As lawsuits alleging violations of the FDCPA have multiplied in recent years, attorneys representing debtors have attempted to push the Act beyond its intended limits, and are increasingly alleging hyper-technical violations as the bases for these suits.

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