Who Is Covered by the FDCPA?
Separate a consumer debt, a creditor and a debt collector before applying the federal collection rules.
Debt Harassment Relief
The FDCPA: Start with Coverage
Understand the federal framework before drawing conclusions about a debt-collection message.
Two questions first
What transaction is involved, and what role does the collector play? The coverage guide links the definitions and exclusions. State law and individual facts require separate analysis.