Rauser & Associates Legal Clinic LLP

Located throughout Ohio
Call Now for a Free Consultation! 1-888-8-HELP-US
1-888-843-5787
Contact Us For Your Free Case Evaluation

Not all collectors of debt must abide by the FDCPA

The Federal Trade Commission is the United States' consumer protection agency. Its duties include enforcing the Fair Debt Collection Practices Act for Ohio consumers as well as consumers throughout the country. This law makes it illegal for debt collectors to use abusive or unfair methods to collect on debt owed by consumers.

It also prohibits such methods when collecting a debt that the collector alleges a consumer owes when that consumer does not. As such, a mistake as to who to collect from or who is the debtor does not excuse the behavior.

Law prohibits some collections activities

Some of the tactics that are illegal include:

  • Harassing the apparent debtor or third parties, including excessive phone calls
  • Lying about being an attorney or that papers sent are legal forms
  • Misrepresenting amount owed or adding fees the debtor does not owe
  • Threatening arrest or suggesting the debtor committed a crime if the debtor has not
  • Threatening other acts, like garnishment or suit, if not legally possible or not intended

Some debt collectors are subject to FDCPA

Under the FDCPA, however, not all people trying to collect a debt have to abide by this law in their activities. Only those defined as a debt collector under this Act must comply with the law in their collections behaviors. This includes a person who regularly collects debts owed to others, such as the following collection agencies and lawyers who collect debt as a practice. It also includes junk debt buying companies that then seek to collect on that debt.

Not all debt collectors fall under FDCPA

However, not all entities or people regularly involved in collecting a debt are debt collectors under the FDCPA. Those not covered include those collecting the following:

  • Debts for companies with common ownership
  • Their own debts under their own company name
  • Debts they created but then sold, if it is still servicing the loan
  • Debts that were good when obtained but later went into default
  • Debts that were security for a commercial transaction

Legal process servers are also exempt from the FDCPA's definition of a debt collector.

No Comments

Leave a comment
Comment Information


Akron Office

Rauser & Associates Legal Clinic LLP
1 Cascade Plaza 
Suite 1410
Akron, OH 44308
Map & Directions

Canton Office

Rauser & Associates Legal Clinic LLP
401 W. Tuscarawas
Suite 400
Canton, OH 44702
Map & Directions

Columbus Office

Rauser & Associates Legal Clinic LLP
5 East Long Street, Suite 300
Columbus, OH 43215

Columbus Law Office Map

Youngstown Office

Rauser & Associates Legal Clinic LLP
26 Market Street
Suite 1001
Youngstown, OH 44503
Map & Directions

Toledo Office

Rauser & Associates Legal Clinic LLP
316 North Michigan Street, Suite 420 
Toledo, OH 43604
Map & Directions

Cleveland Office
Rauser & Associates Legal Clinic LLP
614 West Superior Avenue, Suite 950
Cleveland, OH 44113
Cleveland Law Office Map
Elyria Office
Rauser & Associates Legal Clinic LLP
347 Midway Mall Blvd
Suite 201
Elyria, OH 44035
Map & Directions