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UNITED STATES OF AMERICA
FEDERAL TRADE COMMISSION
WASHINGTON, D.C.
20580
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Division of Credit Practices
Bureau of Consumer
Protection
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December 13, 1996
Ms. Michele Cutter
Special Investigator
Phoenix Home Life
P.O. Box 810
Greenfield, MA 01302-0810
Dear Ms. Cutter:
This responds to your letter of October 2, 1996, concerning several
questions about the Fair Debt Collection Practices Act (FDCPA)
(copy enclosed). The answers to your questions are as follows:
- 1. The Consumer Credit Protection Act (15 U.S.C. 1601 et.
seq.)
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- 2. No.
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- 3. If a third party debt collector is attempting to collect
a claim, whether or not it is disputed, yes.
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- 4. The FDCPA does not address who may or may not receive dunning
letters. Theoretically, they should be sent to the party who
owes the debt at issue.
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- 5. Contact the patient to make sure that your company has
satisfied its obligations.
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- 6. Since you are not the creditor, no, unless your company
pays the claim.
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- 7. Division of Credit Practices, Federal Trade Commission,
Washington, D.C. 20580. (202) 326-3758.
I hope this responds to your inquiry.
Sincerely,
John F. LeFevre
Attorney
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