Debt Collection Practices Click on the question to see the answer.

When a law firm functions as, or represents a collection agency, are they required to be licensed as a collection agency or does their law license cover them in the state of Tennessee?
Can a collection agency keep calling me at work?
Do debt collectors typically pay less than the original debt amount when they purchase bad debts from creditors?
Are debt collectors required to be a member of ACA International or any other organization?
If a debt collector lives in one state and the consumer lives in another, does the debt collector/collection agency have to be licensed and bonded in the state in which the consumer lives to conduct collection activity?
Which debts are covered under the Fair Debt Collection Practices Act (FDCPA)?
Who is a debt collector?
Are original or “first party” creditors subject to the Fair Debt Collection Practices Act (FDCPA)?
Are attorneys subject to the Fair Debt Collection Practices Act (FDCPA)?
Can debt collectors add surcharges (interest, fees, charges or expenses) to the original debt?
Can debt collectors demand full payment even though they know the agency or creditor is willing to accept partial payments?
Can debt collectors request my Social Security number?
Can debt collectors continue to try to collect a debt after the statute of limitations period has expired?
Can a debt collector file a lawsuit against me?
Where can a debt collector file a lawsuit to collect a debt?
What does “charge-off” mean?
If my account has been assigned to a debt collector, to whom do I send my payments?
I am 84 yrs old and my only income is social security. I have a judgment against me and the only asset I own is an 8 year old car. Can I lose my car because of the judgment?
Can I still negotiate a payment plan with collection agency or law firm after an offer of reduced balance of my debt?
What action is the industry taking to stop illegal and abusive collection operations?
Does a collection agency have to identify themselves as a collection agency to a third party?
Can a company transfer a legal debt collection from one law firm to another at will?
If a visit from one of my doctors is sent to collections, does this prevent me from seeing my other doctors?
Can you collect beyond the statute of limitations?
My son lost his job and could no longer make his payments. The loan company repossessed his car, sold it, and then sold the balance to a collection agency. They are now calling him for payment of the balance. Can they legally do this?
Is it true that the original debt holder can pull accounts back from collection agencies?
I have an outstanding debt from 2001 that was started in Florida. I now reside in Utah and the collector is taking me to court here. Can they do this?
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