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I have been contacted by in house collectors, ex. credit card companies "reminding me" of a past due payment. As well as utility company that calls to "help me" bring my account current. I asked each to stop calling me and send me only written notices. But the say they are exempt from the law because it only applies to third party collectors. I thought the Texas Act also applied to in house collectors/account reps. Could you clarify please? Thanks.