Department Store Debt
Did you know that the house collectors for creditors are not covered by the FDCPA (Fair Debt Collection Practices Act). The FDCPA covers collectors and attorneys who are contracted or hired to collect a debt, but are not employees of the creditor.
Not Every State Is Subject To The FDCPA
The FDCPA (Fair Debt Collection Practices Act) is a great piece of legislation, but it isn’t the law everywhere! The state of Maine is exempt. But there is state legislation in Maine that accomplishes what amounts to the same thing.
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