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These defenses have been floating around the internet for years and are totally useless in the issues we deal with on this site.
The Fair Debt Collection Practices Act (FDCPA) was enacted in 1977 to curb the abusive practices of debt collectors. The law has been used in court many times and has had many interpretations over time.
If you’ve been laid off recently, the last thing you will want to worry about is how your credit report will be affected by this temporary situation.