You are correct that the FDCPA does not apply to employees of the original creditor (Discover). But, I'm also not clear what you believe is misleading about what was said - I read what was said as meaning that if you negotiate some kind of deal down the line, Discover expects to be paid in full.
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I agree with Mr. Corbin, what part of the statement is misleading? It sounds as though they are referring to utilizing legal tools available, beginning with a lawsuit and culminating with various judgment enforcement methods.
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