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U Action: If a creditor or debt collection agency fails to disclose the purpose of its initial communication, or refuses to provide its true name, ...49 pagesMissing: Missouri ? Must include: Missouri
U Action: If a creditor or debt collection agency fails to disclose the purpose of its initial communication, or refuses to provide its true name, ... The FDCPA defines a ?debt collector? as one who ?regularly collects orwith the collection of any debt' or in an 'attempt to collect any ...Debt collection practices for debt collectors hired by Federal agencies.is contained in the initial communication or the consumer has paid the debt,''.