The Fair Debt Collection Practices Act was signed into law September 20, 1977 by President Jimmy Carter. This law was designed to end deceptive, abusive, behavior from debt collectors, and additionally, unfair debt collection practices.
A third-party debt buyer cannot lay the foundation for the business records of the original creditor. (Midland Funding, LLC v. Romero (2016) 5 Cal.App.5th Supp. 1, accord Sierra Managed Asset Plan, LLC v. Hale (2015) 240 Cal.App.4th Supp. 1.)