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LSDefine

Simple English definitions for legal terms

debt collector

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A quick definition of debt collector:

Term: Debt Collector

Definition: A debt collector is a business that tries to collect money that someone owes to another person or company. They use things like the internet, phones, and mail to contact the person who owes the money. Sometimes, the company that is owed money will use a different name to make it seem like someone else is trying to collect the debt. However, people who work for the company that is owed money are not considered debt collectors under the law.

A more thorough explanation:

A debt collector is a business whose main purpose is to collect debts on behalf of third parties using the U.S. mails or an instrumentality of interstate commerce. This can include creditors who use a different name during the debt collection process to make it seem like a third party is collecting the debt.

However, under the Fair Debt Collections Practices Act (FDCPA), officers or employees of a creditor or those affiliated with the creditor by common ownership or corporate control are not considered debt collectors.

  • A collection agency hired by a credit card company to collect overdue payments is a debt collector.
  • A law firm hired by a landlord to collect unpaid rent is a debt collector.
  • A bank that is trying to collect a debt using its own name is not considered a debt collector under the FDCPA.

The examples illustrate that a debt collector is a third-party business hired to collect debts on behalf of another party. The first two examples show businesses that fit the definition of a debt collector, while the third example shows a business that is not considered a debt collector under the FDCPA because it is the original creditor trying to collect the debt using its own name.

debt | debt relief agency

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GreyCeaselessMammoth
10:35
I'm with curvy on this, it literally changed my life
suddy
10:36
Food is the primary joy in life
shaquilleoatmeal
10:36
i probs go over board w health, do a vitamin deficiency and nutrient level test quarterly
shaquilleoatmeal
10:36
which i highly recommend because youll know what to feed your body better
10:36
@shaquilleoatmeal: was anything surprising when u first had it done? ie way out of line?
Reading an intelligence brief I just learned of a terror group that goes by MILF the Moro Islamic Liberation Front.
JumpySubsequentDolphin
10:38
I’m severely vitamin d deficient
JumpySubsequentDolphin
10:38
I’m also anemic but I don’t take my iron bc it hurts my stomach
When in southeast Asia be careful of a MILF attack lmfao
GreyCeaselessMammoth
10:38
jumpy how are you vitamin d deficient? just go outside
shaquilleoatmeal
10:40
@llama: yea my vitamin k levels were wack, its normal after focusing on it but wouldnt have known otherwise
texaslawhopefully
10:40
I think it’s really easy to be vitamin D deficient, I’m perpetually vitamin D deficient too
shaquilleoatmeal
10:40
@JumpySubsequentDolphin: go buy this rn https://luckyironlife.com/?srsltid=AfmBOopcbDKFQGvh4KZ_nbX2zDqQNiXhVLGMqa27SRB-aW6oIepipKGz
another week without NYU DLS :(
PuppyBot
10:41
i am also vitamin d deficient its really common in more tan people
PuppyBot
10:41
i also have high cholesterol
GreyCeaselessMammoth
10:41
oh that's interesting, is your skin more resistant to the sun??
JumpySubsequentDolphin
10:42
@GreyCeaselessMammoth: there isn’t much sun here ☹️
10:42
shaq is rite, gotta stay on top if this shit.
PuppyBot
10:42
pigmentation reduces vitamin D production in the skin
JumpySubsequentDolphin
10:42
also yeah Arabs are like perpetually vit d deficient. we get those big bulk pill bottles for everyone in my family
GreyCeaselessMammoth
10:43
that's so interesting, i have a lot of arab family but i haven't heard of that
GreyCeaselessMammoth
10:43
i guess it makes sense
JumpySubsequentDolphin
10:43
@shaquilleoatmeal: I still think that would hurt my stomach
lilypadfrog
10:43
@shaquilleoatmeal: quarterly is crazy I haven’t gotten a physical in over three years
PuppyBot
10:43
median vitamin D intakes of American blacks are below recommended intakes in every age group, with or without the inclusion of vitamin D from supplements.
JumpySubsequentDolphin
10:43
@GreyCeaselessMammoth: NO WAY!! from where mammoth
GreyCeaselessMammoth
10:44
egypt! wa usratik mineyn?
indian people are also vitamin d deficient lolol
cumsock
10:44
i want a burgerrrrrrrrrr cheesy burger double patty bacon pickles
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