Be advised that the federal Fair Debt Collection Practices
Act (15 USC; 1692) only applies to third party creditors,
such as collection agencies or attorneys who are hired by
the original creditor (to whom you actually owe the money)
to collect the debt from you. Go to
http://www.findlaw.com to read
the statue for yourself. If it is the original creditor who
is contacting you, then I don't believe the federal law is
being violated. However, it may still be a violation of
consumer law in the Commonwealth of Virginia. While at the
Findlaw website, you may want to conduct a search to see
what your rights are under Va. state law.
DISCLAIMER; I am neither an attorney nor a legal professional licensed to practice law in any state.
Therefore, the preceding was simply my own opinion,
and should not be construed as privledged or forming any
part of an attorney-client relationship.
