If you owe money, you are a debtor.
It doesn’t matter if you need to pay your mortgage payment, a credit card bill, or your monthly utility payment. Whenever you owe company money, you are a debtor.
There are both state and federal laws governing debt and how bill collectors may collect those debts.
Many times, bill collectors fail to meet these requirements and practice illegal tactics referred to as bill collector harassment.
The Fair Debt Collection Practices Act (FDCPA) is a federal ruling that governs how bill collectors may approach debtors for repayment. However, not all creditors are covered under the FDCPA.
This means that there may be one set of rules applicable for bill collectors, and another set of rules that govern how retail owners may pursue debtors for payment. If either retail store owners or bill collectors are harassing you, it is imperative that you seek an evaluation of your case with an experience lawyer.