I have been handling FDCPA cases for over 20 years, and our advice was accurate. Unless the mortgage company that is making the calls acquired the mortgage when it was in default, the FDCPA will not apply. The FDCPA does not apply to original creditors, even if their internal collections department makes the calls. If they hire an outside collection agency to make calls, that is another matter, but it does not sound like that is what is happening here. Look at 15 U.S.C. Sec. 1692a(6)(A) and (B).