e. even the creditors need to abide by the FDCPA rules in certain cases.g.

Are creditors above the FDCPA rules?
I came across the statement in several websites, that 'the FDCPA only covers the debt collectors'. What does this 'only' refer to?

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But, there are some exceptions to this rule, i.e. even the creditors need to abide by the FDCPA rules in certain cases.

For e.g. when the creditor is itself a debt buyer and bought the debt from the original creditor.

Or when the creditor pretends to be a third party collector, and uses false names.

Or if the state laws include some of the FDCPA regulations and specifically imposes restrictions on the creditors as well.

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This means that the FDCPA usually doesn't cover the creditors if they collect their own debts. It's applicable only for the third party debt collectors including the debt collection agencies or attorneys hired by the original creditor and the bill collectors.

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Yes, FDCPA is not applicable on the original creditors.


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