When Debt Collectors Call, Part 2: To Whom Does the FDCPA Apply? What Debts are Covered? — NMBankruptcyBlog.com

893796_blogFrom time to time, a Guest Blogger will share voice at the New Mexico Bankruptcy Law Blog. Today, we welcome Deborah DeMack. Deborah is a former Assistant Attorney General in the Consumer Protection Division of the New Mexico Attorney General’s Office. A solo practitioner now in private practice in Santa Fe, NM, Ms. DeMack practices consumer law, debt collection defense, and consumer bankruptcy. She can be reached at 505.471.3302. This is part 2 of the series.

To Whom Does the FDCPA (Fair Debt Collection Practices Act) Apply? What Debts are Covered?

A “debt collector” is any person who regularly collects or attempt to collect debts owed to others. The term “debt collector” generally includes third party debt collection agencies, debt buyers, debt collection attorneys, repossession companies, and creditors collecting for other creditors. Note: Creditors collecting their own in-house debts are generally excluded.

Personal, family and household debts are covered under the Act. This includes money owed on car loans, credit or charge accounts, and medical bills.

Next in the series is Part 3: How May a Debt Collector Contact You?

Previous posts in the series: Debt Collection Abuse and the FDCPA

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