Defense attorneys frequently face class action lawsuits alleging violations of the federal Fair Debt Collection Practices Act (FDCPA), which prohibits abusive, deceptive or otherwise improper debt collection practices by third-party debt collectors. At the same time, however, the FDCPA permits reasonable efforts to collect legitimate debts. The Federal Trade Commission is one of several federal agencies with enforcement obligations under the FDCPA. The FTC has primary enforcement responsibility under the FDCPA, and it is charged with preparing an annual report for Congress summarizing its administrative and enforcement actions it during the prior year. The report also summarizes consumer complaints concerning debt collection practices. The FTC’s 2006 Annual Report to Congress is now published.