FTC / FDCPA – Can I control which debts my payments apply to?

Compliance > FDCPA
Q:  Can I control which debts my payments apply to?
 
A:  Yes. If a debt collector is trying to collect more than one debt from you, it must apply any payment you make to the debt you choose. A debt collector may not apply a payment to a debt you say you don’t owe.
 
 
The FTC enforces the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.  This Q&A was obtained from Federal Trade Commission’s Debt Collection FAQs which may be found here:  https://www.consumer.ftc.gov/articles/debt-collection-faqs
 

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