| Fair Debt Collection Practice Violation? Information was given to a person not listed on the debt!?...have to put her foot down to the collection agency as well. They are not allowed...They have made it known that the debt is owed so they have to stop...what are the do not contact states under the fair debt collection practice act?Massachusetts and PennsylvaniaFair Debt Collections Act how do i send a letter?The link below has a large assortment of letters for many collection problems. Still need help? Email me.Can the "statute of limitations" defense apply to original creditors? (not just third-party debt collectors?)...collect, and it applies to your debt . NOT to who is collecting it...note, the FDCA only applies to collection agents, attorneys, and 3rd party...Does the fdcpa protect me if i own a buisness?With commercial collections, there is no FDCPA protection.I would suggest that you contact your lawyer and let them handle the original creditor and the collection agency.Are we required by law to provide creditors with employment verification without employees permission?The only time you are ever REQUIRED to do anything is when you are served with an original or certified copy of a Court order to do so...Has any one else had this kind of problem with SBC?Ok-- I see a couple things at work here... 1. You don't know if the bill splitting was legal.2. You don't know how the bill was so...I would like to know where I can look for detailed consumer protection laws. Any free legal couseling???Most states have an ombudsman who deals with consumer affairs. Check on-line with your state's site, or look in the telephone book under...how long can a phone company like sbc keep a phone on that aint being paid for ?...FDCA you cite only applies to collection agents, attorneys, and 3rd party...not have a properly validated debt , or a legal right to collect...How do you admit or deny Hearsay evidence in a Request for Admissions?...should I answer these? Credit reports fall under the Fair Debt Collection Act, not the DOD. 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