Multiple Debts (15 USC 1692h)

The FDCPA provides a payment to a collector holding multiple debts (15 USC 1692h) must be applied to the account you specify. The debt collector may not apply your payment to any debt which you are/have disputed and where applicable, must apply your payment in accordance with your instructions, NOT their desires. If a debt collector violates this provision he may just be liable to you for statutory damages of up to $1,000, plus any actual damages suffered, plus attorney fees.

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