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1.4.1 Overview

This section provides a brief overview of some typical collection practices by different parties. Unless otherwise specified, this section is discussing the collection of unsecured credit card debts. The collection of secured debts like automobile loans and home mortgages involve a number of different practices.233 The collection of other types of unsecured debts can have a number of important distinctions.234


  • 233 For more information about the collection of secured loans, see National Consumer Law Center, Foreclosures and Mortgage Servicing (5th ed. 2014), updated at; National Consumer Law Center, Repossessions (9th ed. 2017), updated at

  • 234 See, e.g., National Consumer Law Center, Access to Utility Service (5th ed. 2011), updated at; National Consumer Law Center, Collection Actions Ch. 9 (3d ed. 2014), updated at (collection of medical debt); National Consumer Law Center, Student Loan Law (5th ed. 2015), updated at (collection of student loans).