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This question concerns using the Exempt Income Protection Act (EIPA)


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This question concerns using the Exempt Income Protection Act (EIPA) along with the Fair Debt Collection Practices Act and the Federal Credit Reporting Act to get violations on the debt collector.

The Exempt Income Protection Act (EIPA)

You are exempt from debt collection if you and your funds are exempt. We know this already.

Now here comes the violations under the Fair Debt Collection Practices Act (FDCPA)

1- Reporting the debt to the credit reporting agencies is an attempt to collect a debt violates The Exempt Income Protection Act (exempt from debt collection)

Now here comes the violations under the Federal Credit Reporting Act

1-Reporting false information (reporting a debt that is exempt from debt collection)

Violates The Exempt Income Protection Act (exempt from debt collection)

So the big question is:

Can you use The Exempt Income Protection Act (EIPA) to remove collection accounts that are exempt from debt collection from being reported to the credit reporting agencies?

If you are exempt from debt collection the reporting of the debt is a means of collection which violates The Exempt Income Protection Act.

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