Video: Does the Fair Debt Collection Practices Act pertain to original creditors?
No. The Fair Debt Collections Practices Act generally only applies to third-party debt collectors, not a creditor. Under the FDCPA, a creditor is the person or entity that extended you the credit in the first place. However, there is an exception to this rule. If a creditor that collects its own debts, uses a different name and thus gives the impression of being a third party.