Who And What Is Covered By The FDCPA

  • Consumer. Any person who owes or is alleged to owe a consumer debt.
  • Debt Collector. According to the FDCPA, a debt collector is any person, other than the creditor, who regularly collects debts owed to others and includes attorneys who regularly collect debts.
  • Consumer Debt. Any debt that is primarily for personal, family, or household purposes are covered under the FDCPA. Business, farming, and commercial debts are not covered. Alimony, child support, criminal fines, and tort claims are generally not considered debts within the meaning of the FDCPA.