The Fair Debt Collection Practices Act is federal law that governs the way third-party debt collectors operate when they attempt to collect debt. It is clearly defined as to what they are allowed to do and what they cannot do, yet debt collectors break the law on a daily basis. Why? Because they get paid and most Texans don’t know that what the debt collectors are doing is illegal so they get away with it. Under the FDPCA you are entitled to up to $1,000 plus any actual damages and attorney’s fees and court costs.