Fair Debt Collection Act?

Here is a link, courtesy of Cajun about the Fair Debt at http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809 Are you talking about internet or store front loans? Most store front ones usually follow the law, and are first party creditors..Karen

Bossy is correct.Fdcpa only applies to third party collectors or junk debt buyers. Original creditors are exempt except in certain controlled circumstances. Now there are federal and state laws that would regulate them under harassment and unfair/deceptive trade practices.