You would think that the Fair Debt Collection Practices Act would apply to the employees of your Creditors. Why is that? The main reason seems to have been legislative deference to the political power of the credit industry. This means that a creditor’s in house collectors attempting to collect debts in the company name are exempt. Creditors employees do lose this protection if they use a false name indicating that a separate debt collector is involved.
It can be difficult to sort out which collectors are really collectors for purposes of determining liability under the Fair Debt Collection Practices Act. If you live in Oregon or Washington and collectors are ringing you up, ring us up so that we can help.