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Fair Debt Collection Practices Act
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#810.
Multiple debts [15 USC 1692h]
If any consumer owes
multiple debts and makes any single payment to any debt collector with
respect to such debts, such debt collector may not apply such payment to any
debt which is disputed by the consumer and, where applicable, shall apply
such payment in accordance with the consumer's directions.
#811.
Legal actions by debt collectors [15 USC 1692i]
(a) Any debt
collector who brings any legal action on a debt against any consumer shall
--
(1) in the case of
an action to enforce an interest in real property securing the consumer's
obligation, bring such action only in a judicial district or similar legal
entity in which such real property is located; or
(2) in the case of
an action not described in paragraph (1), bring such action only in the
judicial district or similar legal entity --
(A) in which
such consumer signed the contract sued upon; or
(B) in which
such consumer resides at the commencement of the action.
(b) Nothing in this
title shall be construed to authorize the bringing of legal actions by debt
collectors.
#812.
Furnishing certain deceptive forms [15 USC 1692j]
(a) It is unlawful
to design, compile, and furnish any form knowing that such form would be
used to create the false belief in a consumer that a person other than the
creditor of such consumer is participating in the collection of or in an
attempt to collect a debt such consumer allegedly owes such creditor, when
in fact such person is not so participating.
(b) Any person who
violates this section shall be liable to the same extent and in the same
manner as a debt collector is liable under section 813 for failure to comply
with a provision of this title.
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