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They think that this is just a simple confusion that will not affect the status of their current debt.
It is the responsibility of each debtor to get to know the difference between such terms so they will have no trouble complying with them.
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are key federal laws regarding these issues.
The collection agent has the right to collect the entire balance due plus interest, but does not necessarily expect to collect the full amount.