What Constitutes a Debt Collector?

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Bill Collectors and Debt Collectors under the Fair Debt Collection Practices Act

Certain debt collectors have to follow the laws under the Fair Debt Collection Practices Act (“FDCPA”). One of the main purposes of the FDCPA is to stop debt collectors from engaging in abusive collection practices and misrepresentations. The Act defines who is a debt collector and who is not a debt collector. Debt collectors collect on debts owed to another person or entity. An employee or officer who is collecting their own debts, or the debts of the actual creditor, is not considered a debt collector under the FDCPA. If you are unsure as to whether someone is a debt collector or not, you can always ask them.

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