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Consumer
LAWDOG is intended to assist in the understanding of basic concepts. See Disclaimer. Always obtain legal advice from legal professionals.
Natural Person Obligated or Allegedly Obligated To Pay Any Debt
As used in this subchapter the term "consumer" means any natural person obligated or allegedly obligated to pay any debt. This means that a corporation or other entity cannot be a consumer. See Section 803 (3) of the Fair Debt Collection Practices Act reproduced here for illustration purposes only.
A portion of the FTC Commentary On the Fair Debt Collection Practices Act reproduced here for illustration purposes only, includes the following: "The definition includes only a "natural person" and not an artificial person such as a corporation or other entity created by statute."
"Consumer" Defined For Purposes of Section 805
For the purposes of Section 805 0f the Fair Debt Collection Practices Act, the term "consumer" includes the consumer's spouse, parent (if the consumer is a minor), guardian, executor, or administrator. Section 805 covers communications with the consumer and third parties, and rules concerning "ceasing" communications. See Section 805 (d) of the Fair Debt Collection Practices Act reproduced here for illustration purposes only.
A copy of the Fair Debt Collection Practices Act is reproduced for illustration purposes only
here. A copy the FTC Official Staff Commentary on the Fair Debt Collection Practices Act is reproduced for illustration purposes only here. Read Sources and Disclaimer. Links do not return to this page. Use browser "back" button to return.
