FDCPA- Confusion or Contradictory?

[Starre71]

If the FDCPA does not apply to creditors, why do I keep seeing posts where desperate people are being told to review the contents of those laws? That being the case, what rights do consumers have when the actual creditor (or employee thereof) is harrasing them, giving info to and harrasing 3rd parties, etc.??

BTW, I am not in any way stating that the debtor shouldn't be liable for valid debts. I'm merely referencing situations where their privacy has been imposed upon by unethical practices by their creditor(s).

 

[JETX]

Because you are confusing 'creditor' with 'collection agency' or 'debt collector'.

The FDCPA clearly excludes creditors from compliance since they are presumed to want a continuing relationship with the debtor and would certainly NOT stoop so low as to abuse this 'customer'.

However, debt collectors are NOT the owner of the debt and are presumed to use (and HAVE used) some very unscrupulous procedures to attempt to squeeze money from the debtor to them. That is why the FDCPA was enacted.... to control these bottom-feeding, low-life, boiler-room working, 'people'.

 

[HomeGuru]

Halket hit it right on.