Re: collections calls

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(6) The term "debt collector" means any person who uses any
instrumentality of interstate commerce or the mails in any
business the principal purpose of which is the collection of
any debts, or who regularly collects or attempts to collect,
directly or indirectly, debts owed or due or asserted to be
owed or due another. Notwithstanding the exclusion provided by
clause (F) of the last sentence of this paragraph, the term
includes any creditor who, in the process of collecting his
own debts, uses any name other than his own which would
indicate that a third person is collecting or attempting to
collect such debts. For the purpose of section 808(6), such
term also includes any person who uses any instrumentality of
interstate commerce or the mails in any business the principal
purpose of which is the enforcement of security interests. The
term does not include --

(A) any officer or employee of a creditor while, in the name
of the creditor, collecting debts for such creditor;

Oops! The FDCPA doesn't apply to a creditor collecting a
debt! Be careful quoting laws which don't apply.