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debtor; and any false, deceptive, or misleading statements in connection with the collection of a debt. It also requires debt collectors to ... Consumers can send a desist letter to the collector saying that the harassment is a violation of federal law. False Statements ? Debt collectors ...A consumer collection agency, or debt collector, is any person who regularly collects debts owed to others. What debts are covered? Fair debt collection laws ... By C Stueben · 2010 · Cited by 22 ? collection letter is false, misleading, or deceptive to the least sophisticated consumer under the Fair Debt Collection Practices Act (FDCPA). Some. Since lenders, loan servicers, credit card companies and debt collectors employ standardized practices and forms in communicating with large numbers of ... Introduction to the Fair Debt Collection Practices Act and how it effects a collections practice. The area of collections law is governed by common law, ... (B) Any services rendered or compensation that may be lawfully received by a debt collector for the collection of a debt;. (3) The false representation or ... Card debt collection, (2) the processes and practices involved in collecting and selling delinquent credit card debt, and (3) any issues that may exist ... Past due and has been placed in collections (Unifund, n.d.). Debt collectors work with consumer and non-consumer debt. Consumer debt generally refers to any. In 1977 Congress enacted the first comprehensive federal debt col- lection statute, the Fair Debt Collection Practices Act (FDCPA).' Con-.