The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair practices by debt collectors. The Act gives rules for how and when a debt collector can contact individuals.
A debt collector collects debts for other people or businesses. For example, XYZ Collection Agency may collect payments for hospitals, department stores and car dealers. An employee, who works for a company with a collection department and whose job it is to collect debts, is NOT a debt collector. For example, an employee who works for ABC Department Store and who collects credit card payments is not a debt collector.