Are you covered by fair debt collection practices act?

The fair debt collection practices act applies to both "consumers" and "debt collectors."

Consumers are just covered in individual and family or household dealings.  Any transactions concerning a private business are not covered under the fair debt collection practices act.

Debt collectors are defined as:  "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."

The fair debt collection practices act fdcpa - What is it?

The fair debt collection practices act was formed in 1978 by the government to eliminate immoral practices in the gathering of consumer debts.  It was created to make debt collection fair and to give the consumer the opportunity to obtain their credit information.  Consumers additionally retain the right to debate any inaccuracies in their credit information.  The act also made guidelines by which all debt collectors have to conduct their business.