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Are Personal Income Tax covered by the FDCPA


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FDCPA does not apply to tax collections because it is not a debt as defined under FDCPA for an "obligation or alleged obligation of a consumer to pay money arising out of a transaction...". There was no transaction, so the debt is not covered.

If they are reporting to the CRAs, they are subject to FCRA just like any other DF.

Your state may have other consumer laws that may apply to these debt collectors who may try to abuse the system.

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