UNITED STATES OF AMERICA
FEDERAL TRADE COMMISSION
WASHINGTON, D.C. 20580
December 13, 1996
Ms. Michele Cutter
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.)
- 2. No.
- 3. If a third party debt collector is attempting to collect a claim, whether or not it
is disputed, yes.
- 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.
- 5. Contact the patient to make sure that your company has satisfied its obligations.
- 6. Since you are not the creditor, no, unless your company pays the claim.
- 7. Division of Credit Practices, Federal Trade Commission, Washington, D.C. 20580. (202)
I hope this responds to your inquiry.
John F. LeFevre