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.
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.