UNDERSTAND THE LAW-CAL.ATT. CREDITOR "DEBT COLLECTORS" NOT COVERED BY FDCPA

Posted by Why Chat (209.240.222.130) on March 31, 2002 at 09:37:51:

In Reply to: Read the law Why Chat. First Select IS a debt collector posted by California Attorney on March 30, 2002 at 23:06:00:

The terms "debt collector" and "collection agency" have the same meaning. A debt collector is a third-party agency assigned the task of collecting allegedly delinquent debts. The Fair Debt Collection Practices Act applies to debt collectors, as well as to lawyers who regularly engage in debt collection activities that do not involve the court system. A company's own internal collection department is classified as a "creditor", not a "debt collector": The Fair Debt Collection Practices Act does not apply to creditors (but there are plenty of state laws that do).

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