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creditors Tag

There are really 3 main laws that regulate debt collection. You have the Fair Debt Collection Practices Act (known as FDCPA), which is a federal law. You also have the Texas Debt Collections Act (known as TDCA or TDCPA), which is a Texas law. In addition there are Fair Credit Reporting laws that come into play as well. Creditors can sometimes violate both the FDCPA and the TDCPA and oftentimes, when they violate one, they violate...