Which state laws do the CAs have to follow-- the laws of their own state or those of the state which the alleged debtor resides? I cannot find the section in the FDCPA. For example, a CA which sends me letters from its home base in State A...does it need to follow the laws of State B if they are more stringent, like Texas? If that's the case, I have a CA over a barrel! Thanks,
I would say that they have to follow the laws of the state that you are in, Texas. The reason is, if they are not registered in Texas then they can't legally collect a debt in Texas. Charlie
Thanks, charlie... I know that was a silly question. But I'm feelin' a bit silly tonight! Sounded reasonable to assume what you said, but I just want to be sure I can back that up with FDCPA or whatever other statute applies. So...a CA based in another state still has to comply with the restrictions of the Texas Finance Code--which says if they don't respond to a validation request within 30 days, they must cease all collection efforts. Correct?
