Original Creditor Voice Mail Message

A original creditor is not bound by fdcpa at all except in very rare circumstances. Check your state unfair/deceptive trade practices statutes and if exists state version of collection laws to see what is legal.

Thanks Cajun....yea figured fdcpa was out since they are an OC, but I will check the state laws. Thanks again.

It was American General who I am 5 days past due with. I can only imagine they are calling early due to the risk of non payment during the holiday season.

As long as they aren't using a different company name, they can say they are calling from "collections" because American General does indeed have an internal collections department.

If they use any other name than their own, then they have to follow fdcpa.

Thanks for the feedback...just weird because they've never called before.