The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors (not creditors) from engaging in abusive, deceptive, and unfair practices. The FDCPA does not apply to your original creditor. It regulates only debt collectors’ conduct. Before we can fully evaluate your situation, and thus determine if you have a valid claim, we would like you to print off the worksheet attached titled “Fair Debt Questionnaire.” Please fill out the questionnaire and fax it  or to us at 804-673-0316.