2022 CAI-NJ September LAC Issue

DEBT COLLECTION... from page 20.

the col lection of any debts, or who regularly collects or attempts to col lect, directly or indirectly, debts owed or due or asserted to be owed or due another.” A CIC association is a creditor, not a debt collector, and the FDCPA requirements apply only to debt collectors. Therefore, under the FDCPA, a CIC association that contacts delin quent owners directly and on its own behalf is not bound by or constricted in any way by the FDCPA. Attorneys or debt collection agencies, by contrast, are bound by the FDCPA. A3131 Seeks to Expand Debt Collection Restrictions A3131 would impose FDCPA and certain additional debt-collection

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