Hey, I just came across something that I didn't see on a search of earlier posts. It appears (to me) that California's version of the FDCPA (Robins-Rosenthal Fair Debt Collection Practices Act) applies to original creditors as well. Here is the link: http://www.leginfo.ca.gov/cgi-bin/displaycode?section=civ&group=01001-02000&file=1788-1788.3 This might help some people, but I haven;t figured out all of the nuances yet. Tom
