Commercial Debt collection involving consumers may be subject to the Fair Debt Collection Practices Act, as well as other Federal and state consumer protection laws. Some of the issues are discussed in this section . Some issues involving secured transactions are discussed in this section. Secured Laws in each state usually apply to the determination of major issues in debt collection, such as contract questions, or the length of time during which a debt may be pursued. State laws also may impose duties which are more restrictive than the Federal Fair Debt Collection Practices Act.
Special rules exist in many states for recovery of insufficient funds checks.
Remember that state laws may also apply, and may extend coverage to additional parties. Fair Debt Collection Practices Act Much of the debt collection in the United States performed by collection agencies. This section includes information about rules which may apply to collection agencies, and trade organizations for agencies. The rules covering repossession and deficiencies vary by state. These variances are discussed generally in this section.