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What are the laws pertaining to original creditors in terms of third-party involvement, harrassment, threats, ect. Please in responding not that I am speaking about the ORIGINAL creditor - they are not, as far as I am aware, covered under Fair Debt collection Act. Thank you in advance.




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What are the laws pertaining to original creditors in terms of third-party involvement, harrassment, threats, ect

If there is third-party involvement, then the third party falls subject to fdcpa.

If the original creditor is collecting for themselves, then FDCPA does not apply. The only laws that apply to the OC in that case is your individual state laws.

Sub: #1 posted on Mon, 08/11/2008 - 08:01

DebtCruncher DebtCruncher
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(Posts: 2296 | Credits: 269.79)

What I meant by third-party involvement, was speaking to a third party (parents, family members, friends, co-workers, ect.) about the debt.

Any tips on locating state law information for Virginia and Washington. I am a Washington resident, however, the company and incident happened in and involve another person who is a virginia resident. We rented a house from a property manager. Which state laws apply? Anything in Landlord-Tenant act?

Sub: #2 posted on Mon, 08/11/2008 - 08:05

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I would think whoever the victim in this was, as in the debtor, and where they reside would be the applicable law. Is the debtor a resident of Virginia?

Not sure though. Anyone else have any opinions/advice?

Sub: #3 posted on Mon, 08/11/2008 - 14:32

FloridaRon FloridaRon

(Posts: 1190 | Credits: 74.85)

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