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Does the FDCPA Apply to the Original Creditor?

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Question: Does the FDCPA Apply to the Original Creditor?
Answer: The FDCPA or Fair Debt Collection Practices Act was designed for third-party debt collectors. Generally, the original creditor doesn't have to follow the rules specified in the FDCPA. Your state may have laws that mirror the FDCPA and apply to the original creditor. Contact an attorney or your state Attorney General to find out more.

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