Site: nolo.com
... FDCPA Applies to Debt Collectors, Not Creditors
Keep in mind that the FDCPA applies to debt collectors ... The law does apply to a creditor that collects its own debts under a different name. ... However, the FDCPA applies to a debt buyer if the business's principal purpose is the collection of debts ... § 1006.2(i), effective November 30, 2021, see official interpretation). ... collector, creditor, or debt buyer, consider talking to a debt relief attorney to determine what you should do ...