The Federal Trade Commission says: ‘Think your company’s not covered by the FDCPA? You may want to think again.


As the song by The Who asks, “Who are you?” When it comes to the Fair Debt Collection Practices Act, many companies think they know who they are. If they’re third-party debt collectors, they’re covered by the FDCPA. If they’re creditors collecting their own debts, they aren’t. But as I mentioned recently in a presentation at an industry event, it’s not that simple. Some creditors and others may not realize that certain courses of conduct can put them squarely within the jurisdiction of the FDCPA.  Read More