The federal Fair Debt Collection Practices Act (FDCPA) requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them. Please keep in mind that the FDCPA relates to third-party debt collectors who attempt to collect debts owed to others. In addition, the law does not erase any legitimate debt you owe.