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First party collections is not governed by the FDCPA (Fair Debt Collection Practices Act) known for protecting you the consumer against harsh/abrasive practices by debt collectors. They are not required to follow FDCPA due to the fact that they are the original creditor. They may forward the account off to a third party or sell the account to a Collection agency.
Third party debt collectors are under a maginfying glass when it comes to their practices. A debt collector may not contact you regarding a debt before 8am (YOUR LOCAL TIME) and 9 pm (your local time). Unless your phone is registered under another area code. (they get one freebee in that case. you must advise them that this phone number is not in your area code in which you reside). A third party collector also must state the Mini Miranda on the INTIAL COMMUICATION. That tells you this is an attempt to collect a debt any information obtained will be used for that purpose. for more Google debt collection laws in your state.
What else can I help you with?
What is the difference between serious party and friendly party?
fish
Is there a difference between public liability and third party insurance?
difference between third party liability and public liability
What is the difference between Wii Party and Wii Party Solus?
the 'solus'
Difference between ruling party and opposition party?
Defferance btween ruling and opposition party
Is there a difference between Mario Party for Ds and Mario Party for Dsi?
Nope
What is the difference between a regular party and an underground party?
The difference is that a regular party is one that happens in a regular fashionne and an underground party is in most cases held under the ground.
What are the differences and similarities of the first and second republic of Nigeria?
The difference between the first and second republic of Nigeria is the new political arrangement which is the two-party system.
What is the difference between government and opposition?
the difference is that the government is generally the party that has won the election, and the opposition is the party that came second in the election.
What is the difference between a conforming party and a confirming party?
I don't know,maybe you spelled it wrong.
What is the difference between pre-charge off and post-charge off accounts?
A pre-charge off is when the creditor is giving the debtor notice that the account is in default and will be sent to collections if a payment agreement is not made by a specified date. Post-charge off is when the account has been sent to collections, sold to a third party creditor or referred to a legal firm for further action.
What the difference between party pies and meat pies?
Party pies are exactly the same except smaller.
The difference between a celebration and ceremonies?
Celebration you celebrate ceremony you party
