In House collections

I would like to know as well, I just heard that they are going to keep everything in house and speed up the timeline.

If it is a in house collection company under a different name but is owned by the same company and only collects for that company then they do not have to follow the FDCPA, If they are related but collect for anyone, it does not matter and they have to follow the FDCPA.

If it is a in house collection company under a different name and is not related to the company they are collecting for then they DO have to follow the FDCPA as long as the debt is in default.


Hope this helps

Its helpd a little but I read the FDCPA as to say if the dept is related and only collects for the company under a different name and reports as a collection agency then they do have to follow the FDCPA.

I see what you are saying now. If a company uses another company's name and that company is not involved then the original creditor would have to follow the FDCPA. That is what Paragraph 6 of the Definitions of the FDCPA says.

That means that if an employee says they are a law firm or a different company when they are an employee of the original creditor, they have to follow the FDCPA.

Thanks