If they are creditors who collect their own debts, they are not doing so. The Fair Debt Collection Practices Act (FDCPA) is the primary federal law governing debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. Government officials and employees are also excluded.
The FDCPA exempts any federal, state, or local government official or employee who collects or attempts to collect a debt while performing official duties. Under the FDCPA, you can let the outside debt collector know that you want them to stop contacting you. The law requires that they stop contacting you, unless they tell you that they are going to stop trying to collect the debt or that they are taking specific legal action against you, such as filing a lawsuit. Understanding these exclusions helps you understand the full scope of the FDCPA and to recognize when your protections apply and when.
No.
