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15 U.S.C. § 1692h — Multiple debts
Federal law — U.S. Code and appendices · legal_authorities
If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer’s directions.
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Source location: Title 15, Chapter 41, § 1692h; chapter-041-consumer-credit-protection.md
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If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer’s directions.
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Federal law — U.S. Code and appendices · legal_authorities
**(a) Abusive practices** There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
**(b) Inadequacy of laws** Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
**(c) Available non-abusive collection methods** Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.
**(d) Interstate commerce** Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.
**(e) Purposes** It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
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Federal law — U.S. Code and appendices · legal_authorities
Page 1639
TITLE 15—COMMERCE AND TRADE
§ 1692k
this Act to the Code, see Short Title of 1999 Amend-
ment note set out under section 1811 of Title 12, Banks
and Banking, and Tables.
AMENDMENTS
2006—Subsec. (b). Pub. L. 109–351, § 802(c), inserted at
end ‘‘Collection activities and communications that do
not otherwise violate this subchapter may continue
during the 30-day period referred to in subsection (a)
unless the consumer has notified the debt collector in
writing that the debt, or any portion of the debt, is dis-
puted or that the consumer requests the name and ad-
dress of the original creditor. Any collection activities
and communication during the 30-day period may not
overshadow or be inconsistent with the disclosure of
the consumer’s right to dispute the debt or request the
name and address of the original creditor.’’
Subsec. (d). Pub. L. 109–351, § 802(a), added subsec. (d).
Subsec. (e). Pub. L. 109–351, § 802(b), added subsec. (e).
Statutory Notes and Related Subsidiaries
EFFECTIVE DATE
Section applicable only with respect to debts for
which the initial attempt to collect occurs after the ef-
fective date of this subchapter, which takes effect upon
the expiration of six months after Sept. 20, 1977, see
section 819 of Pub. L. 90–321, as added by Pub. L. 95–109,
set out as a note under section 1692 of this title.
§ 1692h. Multiple debts
If any consumer owes multiple debts and
makes any single payment to any debt collector
with respect to such debts, such debt collector
may not apply such payment to any debt which
is disputed by the consumer and, where applica-
ble, shall apply such payment in accordance
with the consumer’s directions.
(Pub. L. 90–321, title VIII, § 810, as added Pub. L.
95–109, Sept. 20, 1977, 91 Stat. 880.)
Statuto
Source: Supplied 2024 U.S. Code historical extraction · 15 U.S.C. § 1692h
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