The Federal Fair Debt Collection Practices Act gives you more protection from debt collection agencies. This law does not apply to “original creditors”.
There are 2 different types of creditors who can collect debt.
We use the term “original creditor” to talk about the person or company you first agreed to pay. An original creditor is the person or company who sold you something on credit or loaned you money.
Debt collectors are creditors too. Sometimes the original creditor hires another company or a lawyer to collect the debt. Sometimes the original creditor sells the debt to another company. The new company or person is a debt collector.