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Phone: 804-282-7900
The Consumer Law Group, P.C.

What is the difference between a Creditor and a Debt Collector?


A Creditor is the company you have the original debt with.  They are not subject to FDCPA.  A debt collector is a company who is trying to collect a debt you owe to a Creditor.  If they are harassing you, they can be in violation of the FDCPA.