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Based on the FDCPA, I don't find anything that says it doesn't cover original creditors. Am I missing something?
FDCPA, P3 section 4
"The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating col- lection of such debt for another."