What actions does the FDCPA require of debt collectors?
-In the initial written communication with the consumer, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. (If the initial communication was oral, the same information must be transmitted orally to the consumer.) -When seeking location, debt collector must identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer; -Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall (unless the following information is contained in the initial communication or the consumer has paid the debt), send the consumer a written notice stating: (1) the
